I have always been interested in how payment instruments change business. In this article, I found answers to many questions. It was especially interesting to learn how PayPal influenced the development of eBay. I recommend it to everyone who is interested in marketplaces: https://sdk.finance/the-role-of-embedded-wallets-in-marketplace-success-a-look-at-paypals-impact-on-ebay/ Very informative and with examples.