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PayPal Expands PYUSD Access To 68 New Countries Amid Stablecoin Push

PayPal has expanded access to its U.S. dollar-pegged stablecoin, PayPal USD (PYUSD), to 70 markets worldwide, including 68 new countries this month. This expansion allows users in regions like Asia-Pacific, Europe, and Latin America to send, hold, and receive PYUSD, enabling faster and lower-cost cross-border transactions compared to traditional methods. The stablecoin, which initially faced regulatory scrutiny, saw its market cap grow to $4.1 billion after the SEC closed its investigation in February 2025. Users in most regions can also receive rewards on holdings, though exceptions include Singapore and the UK. PayPal aims to build a more inclusive global commerce ecosystem by increasing PYUSD’s utility and accessibility.

bitcoinist03/18 11:08

PayPal Expands PYUSD Access To 68 New Countries Amid Stablecoin Push

bitcoinist03/18 11:08

All about first-ever stablecoin insurance premium – USDC, PYUSD & what’s next!

Major insurance broker Aon has executed what is believed to be the first stablecoin-based insurance premium payments, utilizing USDC on Ethereum and PYUSD on Solana. This move, completed within minutes instead of days, demonstrates real-world adoption of stablecoins for institutional transactions. It comes amid ongoing U.S. regulatory debates, including the failed CLARITY Act compromise and the framework provided by the GENIUS Act of 2025. The stablecoin market has surged to nearly $270 billion, with transaction volumes exceeding $1.7 trillion. While this signals a shift towards faster, scalable blockchain networks, global regulatory approaches vary significantly, as seen in South Korea's potential ban on dollar-based stablecoins. The success of stablecoins hinges on both technological adoption and cohesive global regulation.

ambcrypto03/10 15:32

All about first-ever stablecoin insurance premium – USDC, PYUSD & what’s next!

ambcrypto03/10 15:32

How USDC, PYUSD are challenging USDT’s stablecoin dominance

The stablecoin market has expanded significantly, with total supply growing from $140 billion to around $266 billion. While Tether (USDT) remains the largest issuer with $193 billion in supply, its dominance is gradually weakening, especially within EVM ecosystems, where it holds only 47% of the supply compared to its global 59% share. Over a 30-day period, USDT's supply decreased by 1.02%, while USD Coin (USDC) grew 7.42% and PayPal USD (PYUSD) expanded 16.66%. This shift reflects a market increasingly favoring compliant, regulated issuers with transparent reserves. Stablecoins are increasingly used for real-world payments, with annual payment volume reaching nearly $390 billion, including significant remittance flows. Activity on networks like Polygon and growing DeFi usage further highlight this trend toward utility. Regulatory clarity is accelerating institutional adoption, benefiting transparent issuers like USDC and PYUSD, indicating that future competition will be shaped by compliance and infrastructure as much as liquidity.

ambcrypto03/02 23:03

How USDC, PYUSD are challenging USDT’s stablecoin dominance

ambcrypto03/02 23:03

XRP-Paypal Rumors: What This Acquisition Would Mean For Ripple

PayPal's stock decline has sparked speculation about potential acquisitions, with Ripple emerging as a candidate due to synergies in digital payments and cross-border transfers. While Ripple's private valuation reportedly exceeds PayPal's $40 billion market cap, financing such a deal would require complex capital raises or a reverse merger. Acquiring PayPal would integrate its PYUSD stablecoin into Ripple's ecosystem and provide immediate access to established payment networks and regulatory frameworks. Despite Ripple's recent acquisitions totaling $2.7 billion, including firms in treasury management and stablecoin payments, no talks with PayPal have been confirmed. The discussion remains speculative.

bitcoinist02/27 01:02

XRP-Paypal Rumors: What This Acquisition Would Mean For Ripple

bitcoinist02/27 01:02

The Person Who 'Killed' PayPal Wants to Buy It

A potential acquisition that could reshape the global payments landscape is under discussion, as Stripe—valued at $159 billion—is reportedly considering acquiring all or parts of PayPal, which has a market cap of just $43 billion. The news drove PayPal’s stock up nearly 7%. PayPal has faced significant challenges: its stock fell 46% over the past year amid rising competition from Apple Pay, Google Pay, and agile rivals like Adyen and Stripe. Despite its vast user network of 438 million active accounts and strong presence in cross-border transactions, PayPal has struggled to keep pace with shifting user behaviors and the rise of embedded and social payments. However, PayPal retains valuable assets, including Braintree (processing around $700 billion annually), Venmo (with 100 million monthly active users), and a deeply entrenched global payments infrastructure. A key underlying motive for the deal is stablecoins. PayPal launched its own stablecoin, PYUSD, adopting a centralized approach to digital currency. In contrast, Stripe has pursued an infrastructure-focused strategy, acquiring stablecoin infrastructure firm Bridge and launching “Open Issuance”—a platform that enables businesses to issue their own stablecoins. Stripe is also developing Tempo, a Layer-1 blockchain aimed at challenging traditional settlement networks like SWIFT. A combined Stripe-PayPal entity could create a powerful Web3 payment ecosystem, integrating PYUSD with Tempo’s fast, low-cost transactions and leveraging Venmo’s user base. This could also support emerging use cases like AI Agent payments, where machines transact autonomously using crypto wallets. Regulatory and cultural hurdles remain significant, and the deal is still in early stages. But the talks signal a broader industry shift: future dominance in payments may belong to those who control next-generation infrastructure, not just scale.

比推02/24 23:42

The Person Who 'Killed' PayPal Wants to Buy It

比推02/24 23:42

The Payment Empire PayPal Might Be Bought Out

The once-dominant global payment giant PayPal is reportedly facing a potential acquisition, as its market value plummeted from a pandemic peak of $363 billion to a recent low of $38 billion—a nearly 90% drop over five years. Despite its pioneering role in enabling cross-border e-commerce, particularly for Chinese exporters in the mid-2000s, PayPal has struggled to keep pace with newer, more agile competitors like Stripe, Apple Pay, and various neobanks. Recent financial performance has been weak, with active user growth slowing to just 1% and transaction volume declining. The abrupt departure of its CEO and appointment of a new leader from HP—known for cost-cutting rather than product innovation—has fueled market skepticism. Critics, including former executive David Marcus, argue that PayPal lost its "mojo" by shifting from a product-driven to a finance-oriented culture, sacrificing long-term vision for short-term financial optimization. While subsidiary Venmo shows strong revenue growth and has become a verb among U.S. millennials, it faces challenges: user growth is stagnant, it remains confined to the U.S., and it lacks deeper integration like Stripe or the hardware-level ease of Apple Pay. PayPal’s bets on stablecoins (PYUSD) and AI-driven agentic payments are still unproven in highly competitive fields. Despite valuable assets—including Braintree’s infrastructure, a leading BNPL service, and 400 million active accounts—PayPal’s future as an independent company is uncertain. Market confidence now seems higher in a potential acquisition than in its standalone prospects, marking a dramatic fall for a former fintech disruptor.

marsbit02/24 11:44

The Payment Empire PayPal Might Be Bought Out

marsbit02/24 11:44

Overtaking PayPal and Surging into the Top Five in Half a Year: The Power Game Behind Trump's Stablecoin

USD1, a stablecoin linked to the World Liberty Financial (WLFI) and the Trump family, has rapidly grown to a $4.9 billion market cap in just over six months, surpassing PayPal’s PYUSD and entering the top five stablecoins. Its growth was fueled by a liquidity partnership with Binance, which offered high-yield incentive programs like the "USD1 Booster" with up to 20% APY to attract users. USD1 is also expanding into sovereign markets, with a recent memorandum of understanding with Pakistan’s central bank to explore cross-border payments. The project is deeply intertwined with political influence, leveraging Trump family connections to advance regulatory and international cooperation. Critics point to potential conflicts of interest, as the Trump family receives up to 75% of net profits from USD1. Regulatory scrutiny has eased under the current administration, with charges against major crypto firms like Binance being dropped—raising questions about preferential treatment. However, USD1 faces risks including a lack of transparency in reserve audits, over-reliance on Binance for liquidity, and vulnerability to political changes. Its success remains heavily dependent on ongoing political support, making it a unique experiment in the convergence of digital finance and power.

比推01/28 05:01

Overtaking PayPal and Surging into the Top Five in Half a Year: The Power Game Behind Trump's Stablecoin

比推01/28 05:01

Outpacing PayPal and Breaking into the Top Five in Half a Year: Trump's Stablecoin 'Game of Thrones'

In just over six months, the Trump-affiliated stablecoin USD1, issued by World Liberty Financial (WLFI), has surpassed PayPal’s PYUSD in market capitalization, reaching $4.9 billion and entering the top five stablecoins. Its rapid growth stems from a strategic alliance with Binance, which launched high-yield incentive programs like "USD1 Booster" to drive liquidity and user adoption through subsidized returns and platform-wide integrations. USD1’s expansion extends beyond crypto markets. A memorandum with Pakistan’s central bank aims to integrate USD1 into cross-border payments, leveraging its low-cost efficiency for remittances. This move positions USD1 as a potential tool of "digital dollar hegemony," aligning with U.S. geopolitical interests. The project is deeply intertwined with Trump family influence and political networks. Key figures, including WLFI co-founder Eric Trump and Zach Witkoff, son of the U.S. envoy to Pakistan, facilitate these partnerships. The Trump family receives 75% of net profits from USD1 operations, raising concerns about conflicts of interest. Regulatory leniency under the Trump administration has benefited USD1 backers: the SEC dropped cases against Binance and others after significant investments in WLFI. However, USD1 faces risks due to opaque reserve management, delayed audits, and over-reliance on Binance for liquidity. Its stability is heavily tied to Trump’s political standing, making it vulnerable to future regulatory or political shifts.

marsbit01/28 02:32

Outpacing PayPal and Breaking into the Top Five in Half a Year: Trump's Stablecoin 'Game of Thrones'

marsbit01/28 02:32

Fintech Giants Ramp Up Crypto Bets Heading Into 2026

Fintech firms are significantly increasing their investments and focus on cryptocurrency heading into 2026. Revolut's crypto product head anticipates a massive year, while PayPal's CEO is integrating blockchain solutions to reinvent the $56 billion payments giant. PayPal is expanding its crypto team and has seen a 600% surge in its stablecoin PYUSD circulation. Stripe is preparing to launch its layer-1 blockchain, Tempo, this year after a successful testnet. Klarna reversed its 2022 stance and plans to issue a stablecoin in 2026, with its CEO admitting they were wrong about crypto. Robinhood, following a strong 2025, continues to expand its blockchain-based products and aims to build a faster, smarter future for investors.

TheNewsCrypto01/08 11:35

Fintech Giants Ramp Up Crypto Bets Heading Into 2026

TheNewsCrypto01/08 11:35

Selling Assets While Racing for a Bank Charter: What's the Rush at PayPal?

Facing intense pressure from the shifting financial landscape, PayPal is making two seemingly contradictory moves: selling off $7 billion in "Buy Now, Pay Later" loan assets while simultaneously applying for an industrial bank charter (ILC) to establish "PayPal Bank." The core reason is a strategic pivot to escape the vulnerabilities of its current "rent-a-license" model. For years, PayPal's massive lending business relied on WebBank's charter, making it a "middleman" whose core operations were dependent on a partner. A recent crisis involving a similar intermediary, Synapse, which froze user funds, highlighted the extreme risk of this model. Furthermore, in a high-interest-rate environment, PayPal is missing out on billions in profit by parking its 430 million users' funds at partner banks instead of leveraging them as low-cost deposits to earn interest and lending revenue itself. The urgency is amplified by the existential threat of stablecoins. PayPal's own stablecoin, PYUSD, is issued by a partner, Paxos. As regulators move to grant such partners official banking status and new legislation like the GENIUS Act takes shape, control over stablecoin issuance—and its near-zero-fee model—is shifting to licensed entities. This directly threatens PayPal's core business, which relies on high transaction fees for e-commerce payments. To survive, PayPal must control the entire financial stack. The asset sale was a crucial prerequisite for the bank application. By offloading the risky loan assets, PayPal presented a "clean" balance sheet to regulators (the FDIC), drastically increasing its chances of approval for the highly coveted ILC charter. This charter is a rare "backdoor" that allows commercial companies like PayPal to operate a bank without the parent company becoming a heavily regulated bank holding company. PayPal is racing against time. Regulatory scrutiny on ILCs is increasing, and this window of opportunity may soon close. The bank charter is not just about loans; it's an option for the future—allowing PayPal to legally custody crypto assets, connect to DeFi protocols, and transform from a payment processor into a full-scale asset manager for the Web3 era. This is a desperate bid for survival: to become the J.P. Morgan of crypto or risk becoming a relic of the early internet.

marsbit12/17 10:15

Selling Assets While Racing for a Bank Charter: What's the Rush at PayPal?

marsbit12/17 10:15

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