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      "text": "ExtraCash Attribute: Advance Size, Term, Underwriting, How Dave Makes Money. Benefits to Member: Bridges gaps between paychecks for essential expenses, Aligns with pay-cycle to smooth liquidity gaps, Instant decisioning, No credit score or relationship requirements, Fee-free option, Instant access to funds, Consumer friendly, More affordable than overdraft fees. Benefits to Dave: Efficient CAC by quickly addressing member pain point, Strategic entry point into banking relationship, Capital / balance sheet light, Short duration, Real-time data allows to be highly responsive to changes in credit profiles, Optionality bolsters CAC efficiency, Tips and instant transfer fees provide predictable monetization.",
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