PayPal's Pay links feature is 10 years too late. But that doesn't matter at all. People are losing their minds over PayPal launching personal links for P2P. Wise and Cash App had this a decade ago. But this is a buffer story about PayPal getting it's shit together and looking to dominate cross border. --- Consider the timeline : 1998: PayPal invents peer-to-peer payments 2011: Wise is founded 2013: They acquire Venmo for $800M 2017: Banks launch Zelle and immediately start winning 2024: Zelle hits $1 trillion in transactions 2025: PayPal finally launches "Links" --- What took them so long to launch an obvious feature? PayPal became a sprawling acquisition machine. Braintree, Venmo, Xoom—all operating as separate fiefdoms with different tech stacks. Shipping velocity crawled as they tried to be everything to everyone. Meanwhile their user base stagnated at 429 million while competitors surged. --- My take? PayPal is playing for a bit slice of cross border payments....
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