First, I am not a financial analyst and this is not financial advice. There is much recent FUD in relation to PPT deserved and undeserved. However, if you are a investor you should make a honest analysis of the facts. True, Nico has a record but realize how many of us have a record or deserve a criminal record? How many of us have spent time in jail for minor issues? Lets look at the facts related to PPT. First, they have a platform as proven by the recent Beta. They are the first mover in this 3 trillion dollar space. All of their competitors are months behind PPT in releasing a working platform. Nico Williams has been working hard for many years to release this platform. Currently, banksters are exploiting small businesses to provide invoice factoring. If PPT is successful they will make this space more fair and expand the goods and services the common man may receive from the existence of this platform.