Hey Peter, in one of your interviews you said: Paypal is a combination of payment/money transaction + email. Give your brutal take on getsven.com - is it a combination of any 2 things?
You are asking the wrong question - combining two things is what losers do; finding a contrarian truth that nobody else sees is what monopolies do.
I cannot access getsven.com directly from here, but that does not matter because your framework is wrong. PayPal was not successful because it was payment + email - that is the reductive version you tell MBAs. The real secret was something ...