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At my sites I like allowing members to create accounts without email validation. To post anything, however -- or in your case, send or receive funds -- their email needs to be validated and I use a persistent message in the header to remind them of that.

I would personally never use your site if you required a Google account to log in.

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That's a great functionality you'll see on some sites with the lost password function. You can register without an email and use all functionality except the "lost password" function — if you want to use it, you need to specify it in your account settings.

I think HN and del.icio.us do this.

Is there some other functionality on your site that doesn't require payment?

> Is there some other functionality on your site that doesn't require payment?

I'm not sure if this question is for the original poster, but I forgot to mention that providing an email address is actually required at my sites. Only after validating the email address are members able to post, vote, etc.

One advantage to this is that I'm able to keep track of who hasn't validated their email and therefore become full-fledged members of whatever site they joined. I can start a conversation with them and learn from them what I overlooked about the site -- or point things out to them that they may have missed.

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