You should borrow at a bank, and pay with adyen or apple pay or phone. And just don't use PayPal 
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Instant transfers are widespread but not universal at this point. Maybe 80% of customers are able to initiate them? Compared to 95% of people who have cards?
Thanks. Twitter will use this to make your timeline better. UndoUndo
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Ah yeah, that makes sense. So in the end it is universal instant payments and decent banking APIs that we are waiting for…
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The risk is the lack of business model for the APIs, so it’s hard to picture those getting good over time
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