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We don't collect interest on customer funds and -- if you run the numbers -- it wouldn't be of any significant value if we did.

I know the part about interest. You can't collect interest on money that's not actually your own, which is the same case with any payments company.

Out of curiosity, why don't you release the money faster?

Fraud protection, isn't it obvious?

No

Thanks for the response. Who collects it then? I can't imagine it stays idle..