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  "documentTitle": "18-Slide Pitch Deck Lands Payment Startup Dwolla $16.5 Million",
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      "text": "SLOW/ACCESSIBILITY: Check and ACH take 3-15 days. Dependent on bank holidays and ATM availability.",
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      "text": "EXPENSIVE (\"ASSET-HEAVY\"): Merchants shell out ~$40-$50 billion a year to process credit/debit card payments. Innovation increases cost. Legacy options (ACH/check) have high admin costs. Micro-transactions are cost-prohibitive.",
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