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      "text": "Mobile app screenshot showing Extra Cash balance and advance of $250.",
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      "text": "ExtraCash™ Attribute\nSize: $25-$500, Average: $172\nTerm: Typically: 1-2 weeks\nUnderwriting: Cash flow based per linked bank account data\nHow Dave Makes Money: ACH delivery: Free, Instant Transfer Fees (Optional), Tips (Optional), Average Revenue per ExtraCash™: ~$9.7\nBenefits to Member: Bridges gaps between paychecks for essential expenses, e.g. rent, gas, groceries; Aligns with pay-cycle to smooth liquidity gaps between paychecks; Instant decisioning, No credit score or relationship requirements; Fee-free option (via ACH in 1-3 days) provides flexibility in price, Instant access to funds, Consumer friendly, More affordable than overdraft fees & other short-term liquidity; no late fees\nBenefits to Dave: Efficient CAC by quickly addressing member pain point, Strategic entry point into banking relationship; Capital / balance sheet light, Short duration → rapid underwriting optimization; Real-time data allows us to be highly responsive to changes in credit profiles (vs. lagged FICO); Optionality bolsters CAC efficiency, Instant transfer fees and tips provide predictable monetization and favorable unit economics",
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