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An ACH payment wallet would likely be more widely adopted. Crypto is still 2-5 years from mainstream payments.

Very good article. I think Adyen has been able to attract platforms with embedded payments because they offer a clearer path to monetizing revenue. Adyen offers a more discreet rev share model. While Stripe offers simpler client onboarding and compliance, it can make payment driven recurring revenue more cumbersome for platforms seeking a PayFac solution 

The stock is down almost 30% this year. The ad targeting makes a lot of sense.

They might also consider partnering with Payment Facilitation platforms to offer PayPay as a checkout option. 

Interesting.  Just not sure how PayPal drives revenue from payments here. I get that they might just invest for the Chaos upside but where is the play to generate payments fee income?

Is Paypal or their stock owners better served by investing more into Venmo where ACH Payments offer uber low cost and high-margin options?