XRP News Today: PayPal Integrates XRP and 100+ Cryptos Cuts Transaction Fees by 90%

PayPal has introduced a groundbreaking update to its cryptocurrency services by integrating XRP and over 100 other digital assets into its Pay with Crypto platform, marking a significant shift in global payment solutions. The move, announced on July 28, 2025, allows U.S. merchants to accept payments in cryptocurrencies such as Bitcoin, Ethereum, USDT, and XRP, which are instantly convertible to fiat or stablecoins. This feature aims to reduce reliance on traditional banking systems while providing faster access to funds. The integration reportedly slashes transaction fees by up to 90% compared to international credit card payments, with a flat fee of 0.99% for crypto transactions [1].

The inclusion of XRP, known for its low-cost and high-speed transactions, has drawn strong interest from the crypto community. Analysts suggest that its availability on PayPal’s platform could enhance Ripple’s commercial utility and attract institutional investors. The platform’s support for XRP aligns with PayPal’s broader strategy to streamline cross-border payments, leveraging blockchain technology for efficiency [1]. Merchants adopting the service also gain access to PayPal’s 650 million crypto users globally, creating a new revenue channel for businesses.

In addition to XRP, PayPal’s service now supports major cryptocurrencies like Solana, USDC, and BNB, while linking to leading wallets such as Coinbase, Binance, and MetaMask. This expansion, part of PayPal’s "PayPal World" initiative, aims to unify digital payment ecosystems and accelerate stablecoin adoption. The company’s partnership with Fiserv further positions it to reduce international transaction costs on a larger scale [1].

Merchants utilizing Pay with Crypto can now earn 4% interest on PYUSD balances held within PayPal, adding an incentive for crypto adoption. The real-time settlement feature eliminates delays associated with traditional banking transfers, enabling businesses to access funds instantly. This flexibility, combined with reduced fees, could redefine how global commerce operates, particularly for small and medium-sized enterprises seeking cost-effective international payment solutions [1].

PayPal’s announcement underscores its commitment to integrating blockchain technology into mainstream financial services. By supporting XRP and other cryptos, the company is not only expanding its payment network but also fostering greater confidence in decentralized financial systems. As the market reacts to the news, the focus remains on how PayPal’s innovations might influence broader adoption of cryptocurrencies in everyday transactions.

[1] Source: [1] PayPal’s XRP Integration Sparks Global Merchant Interest (https://coinmarketcap.com/community/articles/6888d2a9336d8538b1059d4b/)