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, , 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. , 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 , 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.
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