Our cost to execute a trade is virtually zero and we want to pass that benefit to you. We will launch an optional margin lending service for active traders in the near future. We also earn a little interest income on your cash deposits. It’s that simple. We earn no revenue from our customers' order flow.  We are a diversified business with brokerage and robo-advising. Furthermore, we have offices in Hong Kong and Japan. As such, we have diverse revenue streams which allow us to offer $0 commission trading in Hong Kong.