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Is this Final without a physical card?

It looks like that to me. I loved Final's ad (done by Sandwich Video) but they've been in "closed beta" for a long while.

We're still hard at work, working on getting it in consumers hands shortly.

Great to hear (I'd love to test; coming from Australia, the lack of chip+PIN here is worrisome! Final would cure a lot of that for me)

The other big difference is prepaid vs credit, which while nuanced, unlocks a ton of other functionality on any payments product.