Bots are, on a platform level, presented as bots. It's not a courtesy rule of "please name bot accounts as _bot" or something.

You can do actual payments with the API, it's possible to earn money with a bot.

Custom inline keyboards you can use to operate bots instead of parsing commands like ye olde IRC bots. Like a home automation bot could reply with a list of rooms when you ask for a room temperature, then you just tap the button for that room.

Closed source, walled garden yadda yadda, but it just works.

Discord bots are a bit less robust, but can still do a ton of things "natively" Matrix bots can't.