PayPal has provided a considerable financial service to the masses. Though the fees are high, most times the stressless policy they employ makes people keep going with them.
At the same time, crypto has just pop up and the huge financial benefits it carries are just beaming in. Maybe when many people flog into the crypto space, things might be difficult for PayPal and even banks. Decentralization offers transparency and minimal fees in transactions. Will PayPal and banks really be able to fit into this? Let wait for time.
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