Hey, everybody, what’s up. It’s Justin checking in live from B2B vault, the payment technology podcast with your host Allen Kopelman, where we’d be providing educational information about Business payments, FinTech, decentralized finance, and the technology businesses need in today’s world. And in today’s podcast, we’ll be talking about high-risk merchant accounts.
Take it over, Allen. All right. So, you know, this is a great conversation, and we’re going to talk about high risk. We get a lot of phone calls, and we get a lot of referrals when merchants need an account. For a business that’s not regularly like out there, and sometimes, you know, I try to explain to merchants, you know, everything’s not, you know, high risk, sometimes it’s a little bit on the higher risk side, medium risk side.
And a lot of times, it’s more of a niche, you know? Right. So certain, certain processors or certain banks have the propensity to take on a certain vertical market, and they develop compliance for that market because they have the compliance components in place. Then they can handle that market.
Like, a good example is the adult market. You know, there’s three, four banks that they specialize in that market, and they have all the, I mean, compliance broad, like what, what do you mean when you say, adult? Adult as in adult entertainment? As far as on the internet? Yeah. Streaming, streaming video, and things like that.
So, you know, there’s compliance MasterCard crackdown on porn hub and only fans. Those types of websites, suspect, have more compliance components where they have to verify the identity of all the people performing and that they’re over the legal age. I just spoke to a woman. Remember, was I telling you about the author?
Anyway, a woman, she sells DVDs, right? Um, and her website got the caput. The caput, we can get them credit card processing. So I talked to her yesterday, and I told her that, you know, to talk to her partner about it. I guess they figured out a workaround well shipping from out of the country. And then I don’t; they partnered
up with someone out of the country.
Well, they should; they’re not making enough. They don’t need to really be doing that. You can get a domestic merchant account
. There’s no reason to have international credit card processing for something like that. That is what I told her. There are enough banks that want that kind of business. Same thing with like firearms.
Yeah. People have to have, you know, an FFL, the Federal Firearms License. If they’re going to sell things like that, some proper licensing, proper compliance, with adult there’s MasterCard, as a special compliance paperwork that has to be filled out quarterly. So they have to do well, and they have to do all that stuff.
And we work with all types of different businesses, you know, and it all starts with a phone call or email. And then we get the merchant to fill out our pre-application on our website, and then we check out their website to see what kind of business they do. And then, you know, and then we set up a phone call and, you know, sometimes when we get on the phone with people.
Hey, what kind of business are you in? And my favorite answer is, oh, why does that matter?
And then, you know, I’m like, well, we have to know what you’re doing. You can’t, I mean, we’re going to find out one way or another, you know, like I’ve had people tell me, I have a store I sell CBD. I’m like, okay, we can work with that. And then we go Google up the address that. And we find out it’s a marijuana dispensary, oh, that’s not a CBD store, and there’s, you know, options for cannabis businesses.
And you know, so yeah, we don’t care what you do. If it’s a legal business, there’s usually somebody that wants to process your credit cards, and that’s getting more like medical marijuana, cannabis CBD, Delta aid, that stuff’s all getting more—going more regular. Going more mainstream. Yeah. And now there’s a new bank we talked about on one of the last podcasts coming into the space.
We’re waiting to get the training and so forth. We got selected to be part of the beta program, and they’re going to take retail
CBD businesses. Nice. You know, and they’re going to also take some internet businesses. Retail cradle and retail, Delta eight, as long as they’re in a state that allows for the Delta products.
So, you know, there are options out there for merchants, and you don’t have to make up that you’re in some other type of business, you know, and the pricing is mainstream. So you’re not. You don’t have to pay exorbitant rates. You know, we find people all the time, we’re working with somebody now there, they thought they were paying one rate.
Now, when we did the statement analysis, we go, no, that’s not what you’re paying. Really? Yeah. You’re paying like triple what you’re telling us you’re paying were; they were literally in shock. No kidding. Well, how would they not have known that? Like they just didn’t pay attention, or is it fine print that they store.
They didn’t; they don’t, you know, I can’t tell you, like, when I used to do feet on the street sales and go out to businesses, and I would come in, I’d say, Hey, Justin, how are you doing? Whatever, maybe you have a shop, a clothing store. And I said, oh, let’s take a look at one of your statements. And you go over to your desk or wherever you keep your mail, and you have all your statements there.
If I told you probably nine out of 10 times, the person hands me the envelope, and it’s not even. Um, and then how many times are they comparing their statement to their contract that they signed? Did they get the agreed-upon pricing? Did the person I’m not going to say any. Yeah, I’m sure. You know, or maybe you’ve had the merchant account
for five years, and you know, slowly rates went up, and I hear things like that.
It always like surprises me because I didn’t, I wasn’t like this super successful businessman, but I took my business seriously as small
as it was. So if I got an envelope, you know, like if PayPal was increasing their, their percentage on how much I, they took and what look at what I knew that. So like, when you say stuff like that, it’s just like crazy.
Yeah. They’re not better not paying attention. Like sometimes, you know, they always say volume hides everything, right? So you’re doing a volume of business. You’re making money, and you’re taking home your paycheck. You’re not paying attention to what you’re going to pay your bills. And then all of a sudden, maybe something happens in your business where.
You know, maybe you lost a client, or you lost some, there’s some construction going on, and you’re not doing as much business as you were. And then, all of a sudden, you start looking at your bills, and there’s a surprise. Right. You know, so you have to kind of real quick, I was just going to ask you to, till I say, you sign up with a merchant account. For, let’s say, you know, a flat rate, right?
Yeah! And then say, does that contract get renewed? The following year or quarterly or no, I mean, they don’t really have, they’re not really on a contract. Right? Cause they can, well, it’s a yearly contract, but you know, twice a year, Visa and MasterCard raise interchange fee. So that kind of effect, you know, your rate.
And if you’re on, like if you’re on a flat rate and the company sees that, oh, there’s a raise going through, and that’s going to affect their profit. They might raise everybody up. I mean, recently, PayPal. I mean, everybody’s giving Visa and MasterCard a hard time right now because there’s a rate increase coming.
And then you have a PayPal raise rates. What was that? Two months ago. Yeah. Right. So nobody was screaming. Nobody’s screaming about that. I also heard that other, what was it? Etsy raised their rates a lot also a lot of people, really their monthly. Yeah, their percentage they charge. Etsy. We talked about it too. I believe we did talk about that.
We mentioned that in a podcast also, you know when you’re on these platforms, you know, you’re subject too. Whatever’s going on there. So, you know, we check out what the person does because, you know, we’re not going to try to stick a square peg in a round hole or a round peg in a square hole, all that might fit, but it’d be tight, but we’re not going to, we’re not going to try to match, we’re going to match up your business.
Like, you know, if you’re a CBD company, we’re going to match you up with the right processor. Got it! You know, so. A, you know, your business, if your business, you know, your business, if you’re an adult business, we’re going to match you up with the right processor. If you’re doing, let’s say you make websites, not everybody likes that, you know, that business, whatever everybody calls it, you know, I put it under like the agency business, you know, like, cause it’s all websites, marketing.
Digital marketing, social media marketing. Right? So now there are people missing multimedia stuff; multimedia people call all of that like agencies, right? So, you know, not everybody likes agencies because they all don’t operate the same. When you mean, you mean banks, banks, some banks don’t like it.
Other banks don’t care. They want, you know, there’s additional due diligence. So let’s say somebody was an agency. Wait before you get into that real quick. Yeah, I was going to say, why would an agency want to sign up for a merchant? A lot of them! They need to get they’re charging customers monthly, you know, maybe 500, 200 for hosting.
You know, you’re either going to be collect, your they’re gonna send somebody bill every month, right. Or you’re going to be, and then waiting for them to pay you, as opposed to using credit cards right now. Like, what is what’s. PayPal. So all of us use PayPal for everything, PayPal and Stripe, PayPal, and Stripe.
You know, when it came down to invoicing, clients are getting paid, you know, even if it was QuickBooks, all you did was sign up, connect your PayPal. I mean, there’s this, there’s this whole lost a lot of money that way, but there’s a threshold. If you’re doing like 25 grand or more, it’s going to be more cost-efficient and efficient to have a merchant again.
Right. So it’s not for everybody. If your small business is doing 2 Websites per month and, you know, break in three, four grand a month, then, you know, PayPal works for you. But for those other companies, you know, say you’re, you know, you’ve upscaled your business. You know, you’re dealing with more medium and large businesses.
And an average invoice went from two grand to 15,000. You’re going to want to get away from those traditional processes. Right. And they’re also gonna want to have like flexible ways to collect money. So somebody might say, oh, you’re going to make me a website for 15 grand. Okay. I’ll give you, maybe they’re going to give you 3000 down and then make $3,000 payments every couple of weeks when you show them, then show them the progress.
And then, you know, or they’re going to give you, pay you in three or four payments, you don’t want to be hounding people down. So you have to have a flexible system in order to do that or even using. Things like buy now pay later or another type of financing buy now pay later as a game-changer and really hope that, some web developers and other agencies, or, you know, catch this podcast and, really get aware to buy now pay later, because I think it’s a game-changer and accepting crypto.
If you’re not just like Allen always says, why do people want to spend their crypto? Because they do, they have it, like, it’s just like cash. It’d be an abundance of cash. Most of the time, people want to spend their cash. Well, so with that, there’s like, like I always, I was having a conversation with somebody this morning.
So I said to the guy, I go, listen, you know, there’s this whole society of people that operate on cash, right? The people that, the waiters, the waitresses, the bartenders, the nail salon people, and the babysitter. Right? All these people, you know, the sneaker sellers. Yeah. But I’m saying like, so a lot of people were transacting with Venmo and all that, but then yet, you know, the current administration and the IRS come in, and now they put, they’re going to tax all of that.
Right. So you can’t just use those services for free. You know anymore that the ship sailed. So, you know, but people, there’s still a lot of people that operate on cash. You go to the corner place where you get your car repaired. The guy’s going to say, oh, you want to put on your credit card? Uh, take 50 bucks off, pay me cash.
Well, you’re going to go run to the bank and cash your check or go get the ATM, and you’ll get the guy cash to save 50 bucks. Right. So then he’s in the $50, you know, he’s got the cash. So what is he going to do to spend this cash? So the same thing is going on with crypto. People are doing business in crypto because maybe they’re doing international business.
Maybe they’re dealing with some millennials, you know, there’s a lot of, there was a guy who offered that like you wanted us to do, but didn’t do the deal yet, but it’s a consultant. And it’s for this crypto company. So they said, oh, can we pay you in crypto? And I was like, I don’t care. Whatever pay us in crypto.
Great. Right? You want to give
us the crypto? No problem. No biggie. Right. We’ll take payment. And you know, we’ll take payment in crypto, but at the same time, then what are we going to do with it? So we’re going to take the crypto-cash out, which is going to cost six to 8%, or we can find places that will accept crypto and spend the crypto.
And then it’s probably only going to cost us one, you know, maybe 2%. Right. So it’s much, it’s much easier to spend it than it is to spend the time cashing it out. And there are people that get paid with crypto. Listen that with Bitcoin 2022, when we went there, there’s an article in the paper about the mayor and half of his staff taking all their pay in cryptocurrency.
Well, if you’re taking your pay crypto, you’re going to want to spend crypto. Going to have to spend it, right? I mean, most people don’t have enough money to just live life and never spend money. Right. So you’re going to need to spend that crypto. Well, where are you going to spend it? You’re going to spend it at businesses that accept crypto.
But, you know, so there’s a small, yeah. There are 350 million people in the United States. I think we have on the website, there are 40, 50 million people that have crypto. Okay. So that’s a small percentage of the population. And out of that percentage of the population, maybe 20% of them are trying to transact in crypto.
So there are a lot of people. That’s a lot of people; 20% of 50 million people is 10 million people are out there trying to transact in crypto on a daily basis. And there are millions of dollars changing hands with crypto merchants. So you know, we don’t just recommend. We try to work with businesses and recommend, hey, are there some alternative payment solutions that will fit into your business
I recently signed up a business for processing, and then they said, oh, well, we have to pay. All of our affiliates. Right. So I was like, okay. And they said they were using PayPal, and that was a problem. And then they said they tried another service and that was a problem. And they don’t want to do ACH because that takes too long because it’s three to five days.
So, you know, we hooked them up with a FinTech solution that we have, and it works great. They take us, and they put a spreadsheet together. Let’s say they’ve got to pay a hundred people. They put in the person’s name, their email address, and the amount of money that went to pay them. Log into the portal, upload all that, and say what they fund their account.
So they do a training, you know, they send the, they basically go to the FinTech company and in there and they do a bank transfer. Right. So it’s kind of like a wire; it’s got real-time. So they do a walk, and they send them the money. Let’s say it’s 20 grand. And they’re going to pay whatever, a hundred people, 200 bucks apiece, right then that when they said they’re going to send the payment out the next day.
So the company has the money, the emails go out, and the person gets it on their phone or their computer. And then there are four options. They can print a paper check; they can hook it up to their bank account, link their bank account, log in, send the money to their bank account, and link up their debit card. So let’s add their debit card in there.
And it’ll send the money basically into your bank account, or they could get a virtual credit card. And then they can use the virtual credit card wherever they want, like a balance. They just, yeah, just the virtual credit card. Like let’s say you get an Amazon gift card, but it’s a refill. Yeah. It’s a Visa one use, till you use all the money up. And then it’s done.
So then the lady wrote me an email. She goes, Allen, I’m so happy with that solution. And it was awesome. My customers love it. You know? Cause they’re sending out payments every week. She goes, oh, we don’t have to go deal with PayPal. It took five to seven business days. From the time they said PayPal, the money until they would let them set the money out.
So, you know, it was a great group, a great solution. And they do small transactions, like 50 bucks up to 200 bucks paying out affiliates a week, every week. So, you know, there’s a solution for everything. That’s what we specialize in is trying. And that’s an alternative solution, you know?
Right. So we just figure out what kind of businesses. How do you do business? What kind of documentation? You know, like I’ll get people that call me. Oh, I’m a collection company. Okay. Well, what do you collect? You know, there are certain things that are not allowed, and you’re not supposed to be collecting, like legacy medical debt.
That’s not allowed. Can you collect like legacy debt that was like written off years ago? You’re not supposed to collect. On credit cards that have been written off. Right. So he gave you can’t get a merchant account for that. But if you’re, you know, like we got somebody, a merchant account
and they collect for a doctor’s group, so they have a contract with the doctor’s group, and actually, the money goes right to the doctor.
They’re just basically facilitating the whole thing, and they’re charging the doctor for the money’s going through the doctor’s merchant account. So it’s, you know, there are different ways how to do it. It just depends on how they run their business. Like we were talking about it in the agency business. Okay.
Well, there’s a contract that gets signed. So anytime there’s a contract or an agreement, we always get copies of that. Or we want to say what’s on their website. You know what’s on and the monthly retainer, right? Like, so like it sounds like a great solution. It is a great solution for web design companies whose clients they get, and there’s a monthly fee that they pay, you know, that’s usually how it goes.
Yeah. Yeah. For the host thing, maybe it’s a larger web design company. Maybe they have some 1099’s, right. They could use our payout solution for that. Really? Yeah, for contractors, but you know, we look, we also review the merchant’s website, the business website. We want to make sure you got basic things on there that you need terms and conditions, privacy policies, return policies, um, you know, cancellation policy, whatever, all your policies are, making sure.
You know your name, the name, address, phone number, and email for the businesses on there. Because one thing you want to do, those are the things that make chargebacks. It makes it so that one you can win. You know, we can’t stop anybody from doing a chargeback. All we can do is make sure that your policies are such that you can win the charge.
Nice. So, you know, we’re going to make sure that your policies all line up with debt are gonna work, which we look at your checkout page. Make sure you have a button that says I agree to the terms and conditions. Maybe you have some special thing in there, like, oh, clearance items; all sales are final.
Okay. Well, you need to put a little check box there when somebody’s trying to check out so that the person knows, understands, and also lets. You know, there, you know, that you have shipping delays, so, or you have, maybe there’s a better way. Maybe you’ve got some new software, and you can put the information and the tracking numbers on your website.
So the customer can go log in and see their order. Oh, there’s a tracking number right now. They see the tracking number, and they can click on it. They know when their stuff’s going to arrive, that cuts down on phone calls and people doing a charge. And things like that. So it saves you time at your business, saves time with your customer service agents, and your customers are happier.
So, you know, we try to make sure, like you have all of those basic things and, you know, we all have real quick before we keep going. I just want to say thank you to our sponsors. Shout out to you guys. You got this really cool cube, designed by Samantha and the graphic designer in the shop. You can’t really see it obviously on the audio, but there is a video if you check out YouTube.
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And then also, there’s a way for you to inquire about sponsoring the podcast, to help, you know, keep this boat afloat back to you, bucko. Okay. So, you know, we will go over it with you. Like what kind of services do you need? Credit card, ACH, outgoing payments, alternative payments. Do you need, are you going to just process domestically?
Do you need international processing? Cause we have global solutions that you can process all over the world. So that’s a global solution, you know, for that. And then people are processing their currency, which saves you money because now you’re not processing foreign credit cards. It also completely cuts down on chargebacks when you’re doing foreign transactions, especially if you’re doing it in their currency; it’s a lot more difficult. And you don’t have to get multiple merchant accounts
You can have one merchant account
, and basically. The settle, you know, they’re paying in their currency, like on your website. That’s really cool. So that’s really, really cool. And that’s a growing trend, you know, that’s been happening. We also handle businesses that are in the cryptocurrency business.
So like, if you’re selling a coin, you have a cryptocurrency exchange, you have some other crypto-related products. I mean, we saw tons of them at the show and all kinds of like, SAS products. They were like wallets and different things like that. They charge monthly fees, yearly wallet, security, wallets, and security wallet.
Yeah. There were tons of people selling these security wallets at the show. So. For any crypto-related businesses
like that, we working with banks. You need banking. If you’re needed the banking, someone asked me today, and they said, oh, we’re setting up a store in the metaverse. Can you set us up so we can accept payments in the metaverse?
Answer. Yes. So we told them, yeah, let’s set up, you know, show us what you guys are doing, what you need. We’re gonna; we’re gonna work with you. It’s actually not that difficult. It’s basically, you know, a, it’s basically a website you just need to have, you know, basically interface with the gateway, right. To be ordered to do that.
And also, they’re going to want to take crypto because they’re in the metaverse. So, of course, we showed them how they could do that also. You know, it’s all about, you know, matching up, like what type of business you have, you know? And like Justin says, what type of business and what type of documentation do you have?
And you have all the legal stuff, you know, I was going to say, I was going to ask, like, so say. Like a CBD, uh, we talked about CBD. What’s a different high-risk company that we have. Well, let’s say you’re a dispensary if you want to get an ATM. So we ask you for your business license, and you have to have a marijuana license, cannabis
license, whatever it’s called for that particular state that you’re in. And we make sure you have the proper license. See anything you’re doing like your own, a liquor store, one of your liquor licenses. Do you have a bar? If it hasn’t been in business for a while, we’re going to ask for a liquor license.
Let’s say it’s transferring ownership when he copies of the business license or copies of bill of sale and things like that to verify. Cause we do not want to set somebody up, and they are stealing money from someplace. You know you said something the other day when you were on the phone that I found interesting and important for future applicants. You were talking about, for one, they’re high risk, and then two, the amount of money they have in their checking account.
Oh yeah. Well, you know, a lot of blew my mind and. I, you know, it’s all funny money nowadays, right? Like everything is virtual. There’s no like it’s just the cashless economy, right? Like, and people have to, you know, if you go and you say, oh, I want to do a fit. I’m going to new $10,000 transactions, and I’m going to do 50 grand a month, and I’m selling whatever it is, or someone, let’s say it’s microphones, and they are a thousand dollars apiece, whatever it is.
And you’re going to. You know, they want to make sure you have enough money in the bank so that if there was ever a chargeback, they’re going to get their money back. I don’t know why it is. It makes so much sense the way you put it. Right. Because we’ve talked to people before, but they’re like, oh, I’ve got people to send me a bank statement, and there’s like a hundred bucks.
You’re not going to get approved. I sound like it’s a, I mean, first of all, like I had a guy over. It’s really funny, but the other day I got a couple of applications, and they’re all from New York because I have a new sales rep and the guys in New York. Right. So like, dude, I can’t verify any of these businesses.
You need to call your guys on the phone and tell them they need to send a picture of the outside and the inside. Because when you go look on Google maps, right, there was a truck in the world. At one place. On the other one, there was a subway. No, no, not the sign. Like one of those giant subway poles, I told up the elevated subway in the way of the place.
I was like, man; you got to set. And it was funny. So the guy sent pictures and then how we verified it was. It’s really funny because I got that. They approved it to the one place today. How they verified it was, they said, oh, you could, even though the guy didn’t have a sign outside, they could verify because the window you could see the stores across the street.
And on Google maps, you could see there was like a Popeye’s and a grocery store across the street. So the guy’s like, oh, we know that’s the place. Cause on Google map on the Google street view; you can see the Popeye’s grocery store. So we know that. The guy store is over there. Shout out to Google maps.
No, so, but I’m just saying it’s crazy. Like if you went to verify somebody at south Florida, you’re not going to run into that where there’s like a truck just parked out in front of a giant, you know, one of the Google, you know, cause those Google truck cars drive around with the camera. They don’t know whatever the guy drove by that day.
And there was a truck outside. Just to touch base on what we were saying. If you’re applying for a merchant account, you’re processing payments
, and you have a hundred dollars in your checking account. You might want to wait till next month until you well, make some money out of your savings or whatever, and put it in the bank account so that the bank feels comfortable, especially if it’s a new business retail.
They’re not that worried about retailers because, you know, people are picking up goods and walking out. That’s right. So not too worried about with retailers; where they worry about is when it’s a non-card present business or an internet business. That’s where the, you know, there’s extra due diligence to make sure you’re having a website company you’re gonna run 30 grand of credit cards, and you have a hundred bucks in your banking account.
They’re going to be worried. How’s this person going to run this business, right? We always ask people, Hey, send pictures of inventory. Once I signed up a guy, I’ll never forget. And I had an, a and I had to go, this was before, you know, you take pictures with a phone. And I had to go drive up to where this guy was in Lake Worth.
I went to this massive warehouse, right. It was massive. And I went there, and I had my. I had a Polaroid camera, and I also had a digital camera, you know, I think you told me the story, and I had to take pictures of everything, and it was a huge, uh, costume business and prop business. And the guy was just selling it.
He was selling it all avenue, and they, he had the Batman car in there. No kidding. Yeah. And other stuff from, from lots and lots of movie props. And the warehouse was owned by his dad, and the dad had passed away, and then he had all this stuff, and they used to rent a lot of it out, but the guy was like, you know, you got, he was, you know, he was also older, right.
He was in his sixties. The dad had just passed away, and they were liquidating everything out of there. I mean, it took years. I mean that comic books in there that you’re pulling all the strings—one of those comic book heads. It was crazy. Yeah, I got it. I have crates of comics at home. So it’s, you know, we always want to see like, oh, the inventory and all of that and how everything is shipped and the banks like that kind of documentation, because then they know, they say, oh, this business, they have their act together. They don’t have to worry like, oh, is the guy going to ship this stuff?
They want to see everything I’ve gone to places and taken pictures of all their inventory; they send pictures or movies. I had a guy the other day send a home movie of theirs, whereas they showed the whole shipping area, and everything was great. The bank loved it. They were like, okay, great, approved.
But Google has a cool thing for businesses. They come in and shoot. Yeah, you can, yeah, you can have them do that. Shoot the inside of your business. I saw that the other day. So we work with all different business sizes, whether you’re a startup company, early-stage company, established company, or somebody selling or buying a company.
All types of businesses. We work with all; we work with a bunch of different banks, processors, Fintechs, you know, domestic processors, and international processors. So we offer a variety of solutions and. You set up a 15-minute, you know, no-fee consultation call. And then we go from there, and we don’t charge a fee and want to work with us.
Great. And then we go, we get you signed up. If it’s a really, really big business, like we had a company the other day, very, very large company, in the crypto space. And then we told them what’s; you’re going to be meeting with the head people with this particular bank after the guy had the phone call with the tank, the guy called me, he goes, I thought you guys were kidding with me.
What you, I said, what do you mean? You thought I was kidding us because I never thought in a million years that I was going to be on the phone with of the principals at the bank, I said, and you have a big business. Really? Yeah. So I said, that’s what we do. We can deliver. We’re going to say, and we’re going to put you on the phone with somebody, a C-level person at the bank or the processor.
Now, when you have somebody with a very large business, that’s going to happen. We can make it happen. Nice. We do it all the time. So thank you today for listening about how do we get people high-risk merchant account
and how does it work? Thanks for listening to B2B Vault. Real quick. Don’t forget to follow B2B Vault on Facebook, Instagram, Twitter, and Tik TOK at B2B Vault.
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I think this is the only podcast without Rocky, and I feel a little, I feel, I feel that. So, okay. Well, Jacob, he’s bitten me in, in snap set my jeans. I still love you, Rocky. I miss you guys again. The next podcast will actually take the camera and put it on Rocky. How’s that? Sure. So a little cameo. Yeah, we’ll post some, or we’ll put Justin, we’ll take some cool pictures and posts.
Pictures of Rocky on the Facebook. Yeah. And we were going to be launching the Rocky NFT. That’ll pay homage to Rocky forever. Yes. You’ll live in infamy forever. Yes. Coming soon! And it more, more news about crypto and NFTs from B2B Vault. We’re happy to take care of guys, please.