the latest brain child of max levchin. is he disrupting payments again? we'll ask him, next. >>> we'll also be joined by the ceo of this coanmpy. the stock is up some 600% in six months all that and more coming up on "power lunch." >>> shares are near their session lows they've spiked lower this after credit ratings agency moody's has downgraded the credit rating to a ba1 from a baa3 it is now a junk rated company this is on the heels of the dam collapse we saw u from them month. moody's says they could see considerable uncertainties and the credit outlook reduced to a negative as well fallen angel dom, thank you >>> walmart is partnering affirm to give customers a new way to pay. it will let shoppers take out loan and pay it back over monthly installments it will roll out across 4,000 locations. with us now, max levchin great to have you with us. >> thank you for having me >> you're known as the cofounder of paypal, which disrupted payments overall how do you think this could disrupt payments in terms of how customers pay for their big ticket puchlss >>