That is the only thing that really count. Does Mint have what it takes? In my opinion it has everything that is needed for organic growth.
Of course the legacy business is vital. As more and more cards are being added that gives the opportunity to milk all the supporting verticals.
The thing that will definitely extreme value to this play (and it already is valuable) is the addition of a mobile wallet and mobile remittance. Regarding the issue of "Today is Tomorrow". Yep that is true and as ark pointed out:
"Not only that, but the future is always the past. everything we observe already happened. Go look at the night sky tonight. It's all space time.>"
Everything is falling into place and I am truly satisfied with the progress that has been made. There are some strong institutional owners involved here. They know what they want and know what they are doing.