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PayPal has made a powerful move in digital payments by enabling US merchants to accept over 100 cryptocurrencies, including XRP, through its newly launched ‘Pay with Crypto’ feature. This expansion, announced on 28 July 2025, signals a clear step toward integrating crypto into everyday transactions.
With this new feature, businesses can now accept cryptocurrency payments from major wallets such as MetaMask, Coinbase, Kraken, and Binance. Once a transaction is completed, payments can be automatically converted into either US dollars or PayPal’s stablecoin, PYUSD. This provides price stability and near-instant settlement, which benefits businesses operating internationally.
The support for XRP is creating strong momentum across the financial and digital asset sectors. Known for its fast settlement and low transaction costs, XRP now finds itself embedded in a platform used by millions. This update could play a pivotal role in increasing the token's utility for real-world payments, especially in cross-border commerce.
PayPal’s CEO, Alex Chriss, described this move as a game-changer for businesses of all sizes, emphasizing how crypto payments can reduce costs, minimize payment delays, and offer merchants quicker access to their funds. The feature cuts transaction costs by up to 90% compared to typical credit card fees. Until 31 July 2026, PayPal charges just 0.99% for crypto payments, making it a cost-effective alternative for global transactions.
Merchants holding balances in PYUSD through PayPal can earn approximately 4 % annual rewards. This not only encourages the use of PayPal’s stablecoin but also adds a passive income layer for businesses managing digital earnings.
The crypto feature covers nearly 90% of the $3.9 trillion digital asset market. It includes major tokens such as Bitcoin, Ethereum, Solana, USDC, and now, XRP. The move is not just about payment convenience. It represents a deeper shift in how commerce functions across borders.
Financial analysts believe that XRP’s inclusion could lead to stronger institutional attention. It reflects growing trust in blockchain-based systems and the need for faster, cheaper, and more inclusive finance. Ripple’s infrastructure, already used for international settlements, gains further credibility through this partnership with PayPal.
This announcement arrives at a crucial time, as US regulatory shifts continue to shape the future of digital assets. The SEC’s pending decisions and upcoming ETF discussions may further influence XRP’s position in the market. Any clarity from regulators could turn this PayPal integration into a launchpad for greater adoption in the future.
With PayPal’s wide reach, low fees, and instant access features, crypto payments have moved beyond a niche and entered the mainstream. And with XRP at the heart of this change, the future of digital payments may now be closer than ever.
Also Read: Crypto Prices Today: Bitcoin Price at $118,722 as SOL and XRP Decline Sharply
