Hey, here's something interesting: PayPal is rolling out a new feature called “Pay with Crypto”, and it could really change the game for small businesses in the U.S. Basically, it will allow American companies to accept payments in over 100 cryptocurrencies, including Bitcoin ($BTC ), Ethereum ($ETH ), XRP, and Solana ($SOL ).
So what’s the big deal? First, it cuts cross-border transaction fees by up to 90%. That’s huge because traditional international payments — like wire transfers or card processing — are slow, expensive, and often a hassle. Second, this new option lets businesses accept crypto payments from wallets like Coinbase, Binance, MetaMask, and more, with the funds automatically converted into PayPal’s stablecoin (PYUSD), and then into U.S. dollars. No need to manually handle exchanges — business owners just get their money almost instantly.
PayPal will charge a 0.99% fee for the first year, which will increase to 1.5% later — still lower than typical credit card processing fees for international transactions.
Another cool feature: funds held in PYUSD can earn 4% annual interest. So even just holding your balance there brings in a little extra.
In short, PayPal is trying to make crypto as easy to use as a credit card or PayPal balance. If crypto used to be a niche thing for enthusiasts, it’s now becoming a real tool for small and medium businesses to grow internationally.
So what do you think — would you use crypto for buying or selling if it were fast, easy, and had lower fees?
