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Patent portfolio assigned to Sunbit (verified via public assignee records). Estimated patent count: 1. Point-of-sale BNPL / consumer lending (US). Competitors from CB Insights and Cherry's Sunbit-vs-CareCredit comparison. No public B2B customers/case-studies page (its customers are merchants/auto dealers, not named publicly). has_patents=true: search surfaced 1 registered patent (IPqwery via Crunchbase tech profile) in 'Computing/Calculating'; specific Google Patents record not fetchable (site blocked).