Makers typically are high-frequency trading firms, whose business models largely depend on specialized trading strategies designed to capture payments. Takers generally are either large investment firms looking to buy or sell big blocks of stocks or hedge funds making bets on short-term price moves.
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MoneyKarma OP : They say that money doesn't grow on trees but the truth is that the modern banking system creates currency far faster than trees can grow. If people instead store their cash in safe-deposit boxes or in shoeboxes hidden in their closets, then banks cannot recirculate the money in the form of loans.