# PayPal Articoli collegati

Il Centro Notizie HTX fornisce gli articoli più recenti e le analisi più approfondite su "PayPal", coprendo tendenze di mercato, aggiornamenti sui progetti, sviluppi tecnologici e politiche normative nel settore crypto.

PayPal expands stablecoin push as crypto assets factor into Q2 results

Global payments giant PayPal reported its second-quarter earnings, highlighting stablecoins and AI-driven payment tools as key strategic focuses, while also noting crypto assets affected its earnings. Q2 earnings were $1.26 per share, slightly below estimates of $1.28, but revenue of $8.68 billion exceeded expectations. The company recorded an $81 million adjustment related to gains and losses from strategic investments and crypto assets, which it excludes from its non-GAAP results as these are not actively traded. PayPal is expanding its efforts in areas like agentic payments, stablecoins, and biometric technologies, leveraging its existing payments network and infrastructure. Additionally, its PayPal World platform facilitated around $200 million in payment volume between Venmo and PayPal.

cointelegraph2 giorni fa 15:40

PayPal expands stablecoin push as crypto assets factor into Q2 results

cointelegraph2 giorni fa 15:40

PayPal expands stablecoin push as crypto assets factor into Q2 results

PayPal's second-quarter results included a $1.26 per share earnings, slightly below estimates, on revenue of $8.68 billion, which exceeded forecasts. The company reported an $81 million non-GAAP adjustment for strategic investments and crypto assets, which it excludes as they are not actively traded for operations. In its strategy, PayPal emphasized expanding into stablecoins, AI-driven agentic payments, and identity technologies using its existing payments infrastructure and risk management systems. Its PayPal World platform processed roughly $200 million in payment volume between Venmo and PayPal.

cointelegraph2 giorni fa 12:16

PayPal expands stablecoin push as crypto assets factor into Q2 results

cointelegraph2 giorni fa 12:16

The Eternal Fragments of Money: Third-Party Payment Has No First Principle

"The Enduring Fragments of Money: Third-Party Payments Lack a First Principle" Stripe is reportedly attempting to acquire PayPal, marking a significant shift reminiscent of PayPal's merger with the original X.com 30 years ago. The article analyzes Stripe's strategic challenges and the broader payments industry landscape. Despite its initial success with a developer-friendly API model, Stripe missed its optimal IPO window during the pandemic and has since seen its valuation decline. Its attempts to expand through acquisitions and new ventures, particularly in stablecoins (like its OUSD project) and Agent-focused payments (ACP/MPP protocols), have faced headwinds. The author argues that the payment industry remains highly fragmented and is ultimately an adjunct to the traditional banking system. This structure limits the potential for any single player, including Stripe, to achieve complete dominance. While stablecoins and the future rise of autonomous Agent economies present potential growth avenues, they are not yet mainstream and still require integration with the existing financial system. For now, Agent-based transactions are largely used for speculative "volume boosting" rather than substantive business applications. Stripe's current move to acquire PayPal is seen as an attempt to bolster its weak consumer-facing (C-side) business after its stablecoin-focused strategies faltered. Meanwhile, PayPal is described as structurally outdated, unable to revive itself through new products like Venmo or PYUSD. The future of payments may lie not in payments themselves but in value-added services like more efficient settlement networks. The author suggests that companies like Stripe and Circle, which are building their own blockchains (Tempo, Arc) and stablecoins, are positioning themselves to eventually profit from high-efficiency settlement systems. These new networks could potentially bypass some traditional banking layers. In conclusion, the article posits that third-party payment is a perpetually fragmented battlefield where scale alone cannot ensure victory. Players must find new models, focusing on efficiency to compete with the entrenched banking system. Stripe's acquisition of PayPal represents a bet on this uncertain future.

链捕手07/21 15:30

The Eternal Fragments of Money: Third-Party Payment Has No First Principle

链捕手07/21 15:30

The Eternal Fragment of Money: Third-Party Payments Lack a First Principle

The Eternal Fragments of Money: Third-Party Payment Has No First Principle The article examines the fragmented and competitive landscape of third-party payment, using Stripe's rumored acquisition of PayPal as a starting point. It argues the payment industry is characterized by persistent fragmentation and remains fundamentally tied to traditional banking infrastructure, hindering attempts at total domination. Stripe, despite its developer-centric success, faces growth challenges and missed its peak valuation window during the pandemic. Its recent ventures into stablecoins (OUSD) and Agent-centric payment protocols are seen as attempts to capture future narratives and bolster its IPO prospects, though their success is uncertain. The author posits that payment itself is merely an entry point; future profits for companies like Stripe and Circle may lie in building efficient backend清算 (clearing/settlement) networks, potentially operating more independently from traditional banks. The piece concludes that the payment industry is a perpetual, trench-warfare-like competition where scale alone cannot eliminate regional or niche players.

marsbit07/21 12:32

The Eternal Fragment of Money: Third-Party Payments Lack a First Principle

marsbit07/21 12:32

Behind the $53.4 Billion Proposal to Acquire PayPal: Stripe's Ambitions in Crypto Payments

Payment giant Stripe, reportedly alongside private equity firm Advent International, has made a $53.4 billion acquisition offer for PayPal. This potential deal, the largest in fintech history, is seen as a strategic move to advance Stripe's ambitions in the crypto payments sector. Stripe has been quietly building a comprehensive stablecoin ecosystem, acquiring infrastructure like stablecoin issuer Bridge and wallet service Privy, co-incubating the Tempo blockchain for payments, and backing the new Open USD (OUSD) stablecoin. However, it lacks direct access to a mass consumer base—a gap that PayPal, with its hundreds of millions of active accounts, Venmo app, and own PYUSD stablecoin, perfectly fills. The core motivation for the acquisition is speculated to be securing a massive distribution channel for Stripe’s stablecoin infrastructure. The integration could create a closed-loop system: Stripe serving merchants, PayPal/Venmo reaching consumers, and stablecoins facilitating low-cost, direct settlements, bypassing traditional card networks. This signals a strategic shift in the crypto industry, where competition is moving from building superior payment rails to capturing user-facing traffic portals. Key unresolved questions remain, including the future of PYUSD and Venmo's potential role as a front-end for the Tempo blockchain. While the deal's success is uncertain and faces challenges like cost-control priorities from Advent, its mere proposal underscores Stripe's long-term vision. A successful acquisition would not only reshape traditional finance but also significantly boost Tempo's position in the competitive blockchain landscape by giving it mainstream reach. Regardless of the outcome, Stripe's methodical buildup indicates its stablecoin-powered commercial empire is just beginning.

Foresight News07/20 02:12

Behind the $53.4 Billion Proposal to Acquire PayPal: Stripe's Ambitions in Crypto Payments

Foresight News07/20 02:12

Stripe's $53.4 Billion Acquisition of PayPal: The Final Piece of the Stablecoin Empire Puzzle

Stripe has reportedly made a $53.4 billion acquisition offer for PayPal, a move that could signal a major shift in the stablecoin landscape from a "technology race" to a "customer war." Over recent years, Stripe has been quietly building nearly every layer of a stablecoin empire: acquiring the issuance platform Bridge, wallet provider Privy, co-incubating the payments-focused Layer 1 network Tempo with Paradigm, and joining the Open USD (OUSD) alliance stablecoin initiative. What it lacks, however, is a massive direct consumer user base. PayPal, with its hundreds of millions of active accounts, the Venmo app, and its own PYUSD stablecoin, would provide exactly that. The acquisition could create a closed-loop system where Stripe handles the merchant side, PayPal/Venmo serve consumers, and transactions are settled via stablecoins on a blockchain like Tempo, potentially bypassing traditional card networks and their fees. While the deal is not yet finalized and may face hurdles—including potential resistance from PayPal's board or a higher bid—the mere offer suggests Stripe's strategic focus may have evolved. It indicates that having superior infrastructure alone may not be enough; distribution and user access are critical battlegrounds. Questions remain about how PYUSD, OUSD, and Venmo would integrate with Stripe's stack, and whether private equity co-investor Advent International would prioritize such crypto experiments. If successful, this acquisition could significantly boost Tempo's position in the competitive public blockchain space and further push crypto-based payments into the mainstream, potentially fulfilling PayPal's original vision of an internet-native currency through a new, crypto-native infrastructure.

marsbit07/17 05:56

Stripe's $53.4 Billion Acquisition of PayPal: The Final Piece of the Stablecoin Empire Puzzle

marsbit07/17 05:56

Why Stripe’s $53B PayPal bid could reshape stablecoin payments

Stripe, in a joint bid with private equity firm Advent International, has made a $53 billion offer to acquire PayPal. The $60.50 per share offer represents a 28% premium and is backed by $50 billion in bank financing. While not yet accepted, prediction markets estimate a 72% chance of the deal closing. Analysts describe the potential acquisition as the "biggest story in the payments industry," noting that Stripe recently surpassed PayPal in annual payment volume. A combined entity would process an estimated $3.7 trillion annually. The move is seen as a major bet on stablecoin payments. Stripe has previously acquired Bridge to enable stablecoin transactions and built its own Tempo network. Acquiring PayPal would allow Stripe to scale retail offerings like Venmo and leverage PayPal's PYUSD stablecoin, merging Stripe's developer focus with PayPal's consumer trust. However, the deal faces significant regulatory and integration hurdles, including antitrust scrutiny. It highlights a broader trend of major payment firms like Mastercard and Visa also aggressively entering the stablecoin sector.

ambcrypto07/15 13:32

Why Stripe’s $53B PayPal bid could reshape stablecoin payments

ambcrypto07/15 13:32

What's It Like Working with Two "Madmen": Peter Thiel and Elon Musk? Palantir Co-founder Shares His Experience

Joe Lonsdale, co-founder of Palantir and a member of the "PayPal Mafia," shared his experiences working alongside Elon Musk and Peter Thiel. He described both as highly opinionated, ambitious, and intolerant of broken systems, demanding immediate fixes and rapid execution. Thiel is characterized as a strategic philosopher, while Musk is a hands-on engineer deeply involved in technical details. Musk is noted as one of the hardest workers Lonsdale has ever seen, a trait common in PayPal's early, passionate culture that later spawned numerous billion-dollar companies. Lonsdale recounted Palantir's origin story. While working at Thiel's hedge fund, he and Thiel discussed how Silicon Valley's technology far outpaced the government's, especially after 9/11. They saw an opportunity to build a platform to help stop terrorist attacks while protecting civil liberties. Their initial venture capital pitches were met with rejection and ridicule. However, Thiel viewed this as motivation. Critical funding eventually came from the CIA's venture arm and Thiel himself. Reflecting on Palantir's impact, Lonsdale believes their work helped neutralize thousands of terrorists and ensured government oversight, though he acknowledges the potential dangers if such powerful technology is misused. His key takeaway echoes Thiel's early advice: being rejected and laughed at can fuel the determination to prove the doubters wrong.

marsbit07/06 23:59

What's It Like Working with Two "Madmen": Peter Thiel and Elon Musk? Palantir Co-founder Shares His Experience

marsbit07/06 23:59

Stripe Rises, PayPal Falls: The New King of Payments Ascends the Throne

Stripe, the global payments infrastructure giant, surged to a $159 billion valuation in February 2026, marking a 74% increase from the previous year. It processed $1.9 trillion in annual transaction volume, accounting for 1.6% of global GDP. In contrast, PayPal, the legacy payments leader, faced stagnation with just 4.3% revenue growth in 2025, a sharp decline in core checkout growth, and flat active user numbers. Reports emerged that Stripe is considering acquiring PayPal. Stripe’s success is driven by strategic bets on next-generation technologies: it acquired stablecoin infrastructure firm Bridge and crypto wallet provider Privy, and co-developed the Tempo blockchain, capable of over 100,000 TPS. It also partnered with OpenAI to create the Agent Commerce Protocol, enabling AI agents to conduct micro-payments via stablecoins. These moves position Stripe at the center of AI and crypto-powered transaction growth. Meanwhile, PayPal struggled with innovation. Its stablecoin PYUSD held less than 0.5% market share, and its management acknowledged execution failures. While PayPal remains a cash-generating business with 439 million active accounts, it has been slow to adapt to shifting industry paradigms. The divergence highlights a fundamental strategic difference: Stripe is building the infrastructure for the future of payments—on-chain settlement, AI economies, and programmable money—while PayPal has been optimizing within an outdated framework. The industry is now racing toward stablecoin and blockchain-based payments, a transition Stripe began leading nearly two years ahead of competitors like Visa and Mastercard.

marsbit04/01 06:39

Stripe Rises, PayPal Falls: The New King of Payments Ascends the Throne

marsbit04/01 06:39

Stripe Rises, PayPal Falls: The New King of Payments Ascends the Throne

Stripe, the global payments infrastructure giant, has surged to a $159 billion valuation, marking a 74% increase, while announcing $1.9 trillion in annual transaction volume. Concurrently, legacy leader PayPal is exploring a potential sale after reporting stagnating growth, with Stripe considered a possible acquirer. Stripe’s success stems from strategic expansion beyond payment APIs into crypto and AI-driven finance. It acquired stablecoin infrastructure firm Bridge and wallet provider Privy, and co-developed the Tempo blockchain, capable of 100k TPS. Its partnership with OpenAI introduced machine payments for AI agents, positioning Stripe at the forefront of AI economy transactions. In contrast, PayPal faces declining growth in core checkout services and minimal traction with its PYUSD stablecoin. Its traditional fee-based model conflicts with emerging stablecoin economies, and slow innovation has left it vulnerable to competitors. The divergence highlights a fundamental shift: Stripe is building the next-generation financial infrastructure—on-chain payments, stablecoin settlement, and AI commerce—while PayPal struggles to adapt within its existing framework. The payment industry’s future lies in embracing crypto and AI, and Stripe’s early bets have given it a decisive advantage.

Odaily星球日报04/01 06:32

Stripe Rises, PayPal Falls: The New King of Payments Ascends the Throne

Odaily星球日报04/01 06:32

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