Foreign exchange and payments company with >20% revenue growth

This foreign exchange and payments company is rapidly growing its revenue (40% CAGR since 2020) and moat as it expands its geographical footprint, and customer base through word of mouth, low cost marketing. Currently the low cost operator in the space, it will further drive down costs and keep taking business from incumbent banks. It currently holds just a 5% market share for individuals, and 1% for small/medium businesses, giving a very long potential growth ramp ahead. The founder-CEO holds a 18% stake, so management incentives are aligned with shareholders.