Subject: Re: OT: PayPal’s moat drying?
I think this might illuminate a real problem: a lack of differentiation between Venmo and competitors like Zelle

One distinction in my mind is built-in Zelle for my bank, and scammers use Venmo. Right or wrong that’s how I see it. I think Venmo is still the more popular one, but I’m not convinced it’s superior.

PayPal is such an odd beast to exist in modern times. It filled a need when websites (like eBay primarily) refused to set up normal paying methods. I think I used it in 2003 or so.