Pay was the NFT company associated with FTX. They went out of business. I have had bankruptcies filed on me and people not pay money that I had earned. One of them was a finance company that owed me money on products that were already in possession of my customers. These kids need to learn that every business deal doesn’t work out. Companies fail. Liabilities aren’t paid. Some companies are just plain crooked and stiff you. Hopefully these institutions can help weed some of those type of companies out but it is going to happen.