PayPal 推出「Pay with Crypto」，跨境手续费降 90%

深潮Publicado a 2025-07-28Actualizado a 2025-07-29

PayPal 预计，此举将覆盖全球超 6.5 亿加密货币用户，助力商户进入快速增长的数字资产经济。

撰文：区块链骑士

据 7 月 28 日声明，PayPal 已推出名为「Pay with Crypto」的新计划，旨在简化全球商业流程并大幅降低跨境交易成本。

该公司表示，与传统信用卡处理器相比，该服务可为商家降低 90% 的国际交易手续费。

这一功能的突破得益于加密货币到法币或 PayPal 原生稳定币 PayPal USD（PYUSD）的即时兑换技术。该平台支持包括比特币、以太坊在内的 100 多种加密货币，并兼容 Coinbase、MetaMask 等主流钱包。

PayPal 预计，此举将覆盖全球超 6.5 亿加密货币用户，助力商户进入快速增长的数字资产经济。

PayPal 总裁兼首席执行官 Alex Chriss 强调，该计划有望消除国际商业中长期存在的壁垒。

他表示：「想象一下，危地马拉的消费者从俄克拉荷马城的商户购买特色礼品。通过 PayPal 的开放平台，商户可接受加密货币支付，提高利润率、降低交易手续费、近乎即时获取收益，且在 PayPal 持有 PYUSD 时可获得 4% 的收益增长。」

「Pay with Crypto」将法币与加密支付整合至单一界面，为消费者提供灵活支付选择，同时助力商户拓展全球市场。这也与 PayPal 扩大稳定币应用、提升金融效率的整体战略相契合。

该计划是在 PayPal 近期与 Fiserv 合作推广全球稳定币采用等进展之后推出的。

与此同时，PayPal 近期推出了「PayPal World」新平台，旨在连接主流数字钱包并简化跨境商业流程。

该举措初期将实现 PayPal、Venmo、Tenpay Global、NPCI International（UPI）和 Mercado Pago 这五大关键参与者之间的互通。

该公司表示，这进一步彰显了其对「简化、低成本数字商业」的承诺。Chriss 称：

「这些创新不仅简化了支付流程，还推动了商户增长、扩大消费者选择并降低成本。这是包容性、无边界商业的未来，我们很自豪能引领这一变革。」

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