Ryvyl Inc. (NASDAQ:RVYL) Q4 2022 Results Conference Call April 17, 2023 4:30 PM ET Company Participants Ben Errez - Chairman Mary Lay Hoitt - CFO Min Wei - COO Fredi Nisan - CEO Conference Call Participants Kevin Dede - H.C. Wainwright Operator Good afternoon, ladies and gentlemen, and welcome to the RYVYL fourth-quarter and full year 2022 earnings conference call. [Operator Instructions] The earnings press release accompanying this conference call was issued at the close of the market today. The annual rep ...