[thehappypm]

You’re missing my point. PayPal doesn’t use crypto and it’s easy to use to send money around. WhatsApp, just like PayPal, requires a user to onboard. What makes PayPal complex is the international law around sending money, not the tech stack.

[fragmede]

Looking at cryptocurrency as just the tech stack is an incomplete view of the system. For better or worse, using a cryptocurrency is also a mechanism to sidestep international law. (For now. Regulators will catch up with Facebook sooner or later.)