Bitcoin News Today: PayPal Pay with Crypto Cuts 0.99% Fee for 100+ Tokens Boosts Adoption

PayPal Inc. has launched a new service called "Pay with Crypto," enabling U.S. merchants to accept payments in over 100 cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), and stablecoins like USDT and XRP. The feature, introduced in July 2025, aims to integrate digital assets into mainstream commerce by reducing cross-border transaction fees and streamlining global trade [4][7]. Merchants utilizing the platform will incur a 0.99% transaction fee, a rate positioned to attract businesses seeking cost-effective alternatives to traditional payment systems [2][5]. The initiative covers approximately 90% of the $3+ trillion crypto market cap, signaling PayPal’s ambition to bridge traditional finance and blockchain technology [6].

The service supports a diverse range of digital assets, addressing scalability challenges in the crypto ecosystem and aligning with growing consumer demand for decentralized payment options [1][3]. By enabling transactions with stablecoins, the platform offers price stability for merchants wary of crypto volatility, while also accommodating major tokens like BNB and XRP [6]. Analysts note that PayPal’s move could reduce reliance on fiat currencies for cross-border trade, particularly in regions with existing crypto adoption [6]. However, the launch is limited to U.S. merchants initially, with no mention of expansion to other markets [3].

The initiative reflects PayPal’s strategy to lower barriers for merchants unfamiliar with digital asset management while expanding access for crypto holders [1][5]. The company emphasized a 90% reduction in cross-border costs, positioning the service as a potential disruptor in global payment dynamics [7]. Industry observers view the platform as a catalyst for broader crypto integration, potentially incentivizing more businesses to adopt digital assets and fostering a hybrid financial ecosystem [4].

PayPal’s focus on reducing fees and simplifying crypto transactions underscores its role in normalizing digital currencies for everyday commerce. The inclusion of 100+ tokens, encompassing both high-market-cap cryptocurrencies and stablecoins, highlights the platform’s flexibility in addressing diverse merchant needs [1][3]. While the service excludes certain regions at launch, its U.S.-centric rollout allows PayPal to refine operations before potential global expansion.

The launch has been met with optimism from analysts, who highlight its potential to accelerate mass adoption by making crypto payments accessible to a wider audience. By streamlining the integration of digital assets into existing payment infrastructure, PayPal aims to position itself as a leader in the evolving financial landscape [4][7]. The service’s emphasis on cost efficiency and ease of use aligns with broader trends toward decentralized finance, though its long-term impact will depend on merchant adoption and regulatory developments [6].

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[1] [Bitcoin News Today: PayPal Launches Pay with Crypto](https://www.ainvest.com/news/bitcoin-news-today-paypal-launches-pay-crypto-service-merchants-0-99-fee-year-4-pyusd-rewards-2507/)

[2] [PayPal Unveils "Pay with Crypto" Enabling Merchants to Accept 100 Cryptocurrencies](https://www.banklesstimes.com/articles/2025/07/28/paypal-unveils-pay-with-crypto-enabling-merchants-to-accept-100-cryptocurrencies/)

[3] [PayPal Opens 100+ Crypto Payment Options for U.S. Merchants](https://coinpedia.org/news/paypal-opens-100-crypto-payment-options-for-us-merchants-but-pyusd-hits-regulatory-snag/)

[4] [PayPal Launches 'Pay With Crypto', Enabling 100+ Token](https://cryptomaniaks.com/news/paypal-launches-pay-with-crypto-PYUSD-stablecoin)

[5] [PayPal Enables Crypto Payments for U.S. Merchants](https://coinpedia.org/crypto-live-news/paypal-enables-crypto-payments-for-u-s-merchants/amp/)

[6] [PayPal Drives Crypto Payments Into The Mainstream](https://www.barchart.com/story/news/33683683/paypal-drives-crypto-payments-into-the-mainstream-reducing-costs-and-expanding-global-commerce)

[7] [BREAKING: PayPal Goes All-In On Crypto Payments—](https://www.mitrade.com/au/insights/news/live-news/article-3-992086-20250728)