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This is demonstrably not true: https://www.finextra.com/newsarticle/16927/paypal-gets-banking-licence-in-europe https://www.finextra.com/newsarticle/16927/payp

• jedberg 7y ago
  That’s Europe, not the US. If they were subject to US banking regulations they couldn’t hold your money for 180 days. And I didn’t say they were always successful, they just try really hard.
  • mprev 7y ago
    You wrote "no state or country".
    • jedberg 7y ago
      And I also said they try, but they don’t always succeed.