Why would they have liquidity Crisis? Are you picturing Paypal customers holding in Paypal considerable Balances? 99% of the customers use it only as an Intermediary. Money goes in : Money-Fee goes out. Unless they are doing scetchy things in the meantime there is no risk of liquidity here. Maybe I'm mistaken and nowdays People are keeping huge Balances in Paypal but that has not been the case in the past afaik.