If Cash App did a Klarna/Affirm/Bitcoin Loan thing like Strike does then it would be so over for River, and Strike.
Cash App has the clear strategic advantage overall as of now even without BNPL/Loan products.
River, and Strike are going to have to go Multi-coin just to survive, if Jack doesn't go Multi-coin first.
Between Kraken, and Cash App.
The Coinbases, Rivers, Strikes, & Binances of The World are kind of screwed in all honesty.
And Imagine if Jack Dorsey bought Kraken, then it's game over for all the other CEXES!