It is hard to offer a fair review, as the services are expanding and improving daily. If you find a bug, it would be addressed immediately. The amazing thing is that it surpasses what you can do with Slack, Facebook and LinkedIn, combined; and for 1/10th of the cost. Most apps are free, so consumers will likely pay nothing. AND, what other platform offers you a dedicated consultant to show you how to best use the tools for your personal situation or for your business--at no cost!
As a coop, the profits are shared with the users, whether or not you use paid services. The policy is to provide the services so anyone can afford. Most paid services are paid by units of the currency where the user lives. Europeans pay a euro when Mexicans pay a peso and Canadians would pay a Canadian dollar. Poor countries in 3rd world nations will be able to have all of the communications and banking services we have. Nevertheless, profits are shared in British pounds, regardless of what you may be billed in.
Below is the points I have accrued already; soon they will be exchangeable for goods, services or money. And that's a picture of me laughing ON MY WAY to the BANK! LOL!