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In 2010, two Irish kids set out to pull off the biggest upset in Silicon Valley history. With one email to Paul Graham and a simple hack, they built a $95B company. Here's the crazy story: At 16, Patrick and John Collison built software for eBay

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Vishu Bheda

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Well according to me, PayPal's focus shifted to maintaining its large user base and regulatory compliance, which slowed innovation. Stripe, starting fresh, capitalized on developer-friendly tools and modern infrastructure, gaining traction where PayPal lagged.

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