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“even subtracting the regulation, they needed a bank deal.…” — Y Combinator Startup Podcast at 17:25

“even subtracting the regulation, they needed a bank deal. They needed Wells Fargo to let them start using their rails. As an early stage startup, they need to get that, which at the time seemed impossible. And then of course, I think the last one is that like, PayPal existed. There was a really popular company where…”

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