If you want to invest in the UPST of 2019, look into PKKFF. Long story short, they started trading on the NASDAQ under ticket TNT, and was halted by the SEC due to having exposure in China and the SEC wants them to list all the Chinese exposure disclosures on the form 40F which is required to trade on the NASDAQ. I'm heavily invested in it since the ground floor. I wouldn't advise anybody to go in it now because you can't know how long the SEC fiasco will take. Should be hopefully done by this week, but keep an eye on them (unless you want to get a better price and is willing to take the small risk). They post audited revenues which is hard to ignore, and their future revenue guidance beats UPST, and that's only for their china business. Soon North America expansion and they're on fire.