maybe all we need to onboard 1b users is to make a bank like wallet app without unnecessary swaps and complexity etc.

just a magic bank app where everything is transparent, 100x cheaper, global and takes seconds to complete any time of day or night

I would love to see this be a new web3 entrant but realistically I give 50:50 odds that paypal just does this

they already have the reach, incentives, and tech, just need the laws to relax enough that they aren't taking undue risk in letting their team run with it

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$100 says one of these two options happens

But actually though I think this has been their strategy for a while (no inside info, just connecting the dots)

I want to bet all of my money on the fact that PayPal won’t do this