So eBay is not giving you anything. They just want for your earned money to go into their pocket instead of your checking account so that you will spend that money on eBay purchases. Do I understand it correctly?
Pretty much correct. The money does not actually go into their pockets as you will spend it sooner or later but the later the better for them. There are two big advantages to eBay when sellers sign up for the spendable funds or digital wallet. First if you use your digital funds to purchase items eBay does not have to pay the CC merchant fees which are usually 2-3%. Secondly eBay can earn interest on the money while it sits in escrow just as PayPal did/does.
From a sellers perspective this may present an opportunity for some sellers who need liquid funds to purchase inventory. Personally I have always just used my CC which has a 5% cash back reward and the CC money is pretty much an interest free loan for up to 30 days until I get my CC bill which I fully pay to avoid any interest charges. By the time I get the CC bill I generally have the payouts from eBay.
