Why did Clover become a 'coinout' company?

I'm curious to understand the motivations behind Clover's decision to become a "coinout" company. Can you elaborate on the specific reasons and factors that led them to this strategic shift? How does this move align with their long-term goals and vision for the future of their business? I'm also interested in knowing how they plan to leverage this new status to enhance their offerings and create value for their customers.