Good question. A lot of PayPal's issues stem from the draconian fraud measures they need to employ to handle user-to-user payments. Our business and fraud prob

Good question. A lot of PayPal's issues stem from the draconian fraud measures they need to employ to handle user-to-user payments. Our business and fraud problems are fundamentally different because we don't support this use case. Additionally, we've been really careful to grow slowly, and to make sure the experience for our users remains great. We've been in invite-only mode for well over a year before opening up today, and intend to monitor (and, if necessary, limit) our growth so that this doesn't happen. We'd rather be small than suck.