What is the use case for PayPal in the US? Here in Brazil we pay everything with credit card or bank transfer with a QR code. People can transfer money to you from any bank 24/7 instantaneously with just your email or phone number without any fees. Is that different in the US?
Agree, where I live for recurring subscriptions most people use “digital credit cards” that you generate on your banking app and they have short expiration dates or you can cancel them and generate a new one anytime you want. That’s good because there are so many services that make it a pain in the ass to cancel a subscription so you just delete the card from existence.