Of course, the real answer is the complex money laws around the world. Particularly laws around terrorism and anti-money laundering. https://www.investopedia.com/terms/a/aml.asp A company like Udemy cannot just send $100 million per month to 30,000+ people in 180 countries so easily. The US government in particular has strong laws about sending money to countries like Iran, Pakistan, Afghanistan, Cuba, etc. So that's why Paypal (and now Payoneer) is needed. And that's why Udemy will never, ever, ever send cash directly to your bank account. Or bitcoin. Udemy is not big enough to have enough lawyers and accountants to deal with all the complex money sending laws around the world and they will gladly pay 30 cents per instructor to Paypal to deal with that. Think about that. PayPal charges Udemy 30 cents per instructor and they take away thousands of dollars per month worth of financial reporting headaches. How can anything beat that? This is the answer. This is the only answer. Money laundering, terrorism, and the US government watching where money flows around the world.
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