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  "documentTitle": "Remitly Global, Inc. (RELY)",
  "authorId": "54_Spruce_Point_Capital",
  "authorName": "Spruce Point Capital Management",
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  "sourceTypeLabel": "Short seller",
  "presentationDate": "2025-03-11 00:00:00",
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      "text": "1. Executive Summary\n2. Trust Is Perhaps The Biggest Factor Why Customers Choose Remitly: Here’s Evidence They Have Dubious Customers And Reviews\n3. We Believe Remitly Is A Troubled And Opaque Business Experiencing Growth Pressures\n4. We Think Wise Is A Formidable Competitor That Is Pressuring Remitly\n5. A Look At Remitly’s Stable Take Rate Claims In Light Of Its Troubled Accounting History And Governance Oversight\n6. We See 40% – 55% Downside Risk To RELY’s Share Price",
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