PayPal正加速其在加密货币领域的布局，宣布将在美国推出“Pay with Crypto”功能，允许商家接受包括比特币、以太坊及部分模因币在内的超过100种加密货币支付。此举旨在解决加密货币的“可花费性”难题，让数字资产更便捷地用于实际交易，而非仅仅用于投机。PayPal将把收到的加密货币自动兑换成法定货币或其 próprio stablecoin PYUSD。相较于传统信用卡处理费，该功能的交易费用（首年0.99%，之后1.5%）更具竞争力，尤其对小型商家而言，有望降低交易成本，提高利润，并提供即时资金访问和高达4%的PYUSD存款年化收益率。此举也契合了当前市场对加密货币日益增长的关注度。

💰 PayPal将大幅扩展其加密货币支付服务，允许美国商家接受超过100种数字货币，包括比特币、以太坊以及部分模因币，旨在提升加密货币的实际应用场景。

🔄 用户通过“Pay with Crypto”进行支付时，PayPal会将收到的加密货币自动转换为法定货币或其自家发行的PYUSD稳定币，简化了商家的收款流程。

📉 该新功能的交易费用极具吸引力，首年仅为0.99%，随后为1.5%，远低于许多信用卡处理费用，为商家尤其小型企业带来了显著的成本节约优势。

📈 PayPal此举旨在解决加密货币长期存在的“可花费性”痛点，为加密货币持有者提供更直接的消费途径，促进数字资产向主流支付方式的转化。

🌟 PayPal首席执行官Alex Chriss强调，该功能将帮助商家降低交易费用、增加利润，并能即时获得资金，甚至通过PYUSD存款赚取高达4%的年化收益率。

PayPal is expanding its crypto ambitions, and it will soon allow merchants in the United States to accept more than 100 different cryptocurrencies as payment, according to Fortune. That means beyond staples like Bitcoin and Ethereum, sellers will soon be able to accept payments in meme-tier tokens, including the controversial Trump memecoin.

PayPal announced the new Pay with Crypto feature on Monday, and it will be rolling out to U.S. merchants in the coming weeks. When a merchant accepts a payment with one of the accepted cryptocurrencies, PayPal will convert the funds into either fiat currency or the company's PYUSD stablecoin. Pay with Crypto's 0.99 percent transaction fee is considerably less than typical credit card processing fees.

The company says it's all part of its mission to "drive crypto payments into the mainstream." And in interviews with Fortune and Bloomberg, PayPal leaders said the Pay with Crypto feature is designed to help small merchants, in particular.

“Imagine a shopper in Guatemala buying a special gift from a merchant in Oklahoma City,” said PayPal CEO Alex Chriss in a press release. “Using PayPal’s open platform, the business can accept crypto payments, increase profit margins, lower transaction fees, access funds instantly, and even earn up to 4% APY when storing funds as PYUSD on PayPal.”

With the crypto-enthusiastic Trump administration back in The White House, PayPal is moving fast to address one of digital currency’s core dilemmas: you still can’t buy much with it. Spendability has long been crypto’s Achilles’ heel, which is partly why NFTs briefly took off as a form of "ownership" in the first place.

But with this latest move, PayPal is giving crypto holders a clearer path to using their digital assets for actual purchases, not just speculation. It also coincides with the recent successes of Bitcoin, the world's most popular cryptocurrency. In fact, in 2024, the token reached $100,000 per 1 BTC for the first time. As of this writing, a single Bitcoin is valued at approximately $118,000, per Coinbase.

According to PayPal, merchants will be charged a transaction fee of 0.99 percent for the first year, rising to 1.5 percent after that, according to Fortune.