$PayPal(PYPL)$ This isn't a bank, PayPal is a fintech that permits customers to hold cash in supposedly segregated accounts. Yet, PayPal deliberately mismatches those payables due and a portion of customer funds go into corporate cash flow. For years, they maintained a multi billion dollar account payable shortfall of customer balances and have increased that mismatch every year since 2019. If every customer tried to remove 100% of their account credit balances at once, PayPal would need to immediately borrow the difference between accounts payable and accounts receivable from a bank to make good the difference, or alternatively, freeze withdrawals. It's right there, in the filings, should you choose to look.
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