I'm somewheres inbetween. Better interest than my BANK pays, indeed. I think these are livable risks, and we'll be taking more and more of them as time goes by. Though it may end up developing an ancillary niche. Paypal, on the other hand, makes bundles of money very simply.
All unused funds go into one big account that earns daily interest.
Get a few million users, each with a few bucks in their account, total it up and the interest ain't half bad. Works quite similarly to PayPal, it seems, except for some deep down quirks. If you find an incorrect debit you can't dispute it. Steven, actually you can. So while there is provision to dispute charges to your account, there is a downside.