[bkrausz]

> I don't understand how increasing pricing from a flat fee to a percentage encourages marketplaces to pay out less frequently. The cost is so nominal that it far outweighs any percentage fee.

Our goal, as Patrick said, is to allow people to pay out more frequently. A flat fee ties your costs to number of transfers, which seems unnecessary in a lot of cases. If a seller just earned $10, they should get their $10 (at a cost of a nickel).

> Better for whom?

For customers and platforms. If we do our job right, standalone accounts should be so easy to use and user-friendly, even for non-tech-savvy customers, that it's clearly the better option for everyone.

That being said, it's not like we'll kill off managed accounts: there'll always be a good reason to have a fully customized experience. Making standalone accounts good enough to be the better option more often is a goal we strive for, but that's for our customers to decide.