PayPal(PYPL.US)即将一键接收100+加密货币欲重塑跨境交易模式

智通财经2025-07-28

智通财经APP获悉，全球最大规模数字支付服务提供商之一的PayPal(PYPL.US)很快将允许企业们在结账时接受一百多种加密货币，PayPal此举意味着这家在全球范围最具影响的线上支付巨头试图大幅提升跨境交易效率并且大幅降低跨境费率。据了解，该选项将在未来几周内上线，商家们将能够接受比特币、以太坊、Tether的稳定币USDT和Circle发行的稳定币USDC等加密货币，这些加密货币来自...

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href=http://www.zhitongcaijing.com/content/detail/1322832.html><strong>智通财经</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>智通财经APP获悉，全球最大规模数字支付服务提供商之一的PayPal(PYPL.US)很快将允许企业们在结账时接受一百多种加密货币，PayPal此举意味着这家在全球范围最具影响的线上支付巨头试图大幅提升跨境交易效率并且大幅降低跨境费率。据了解，该选项将在未来几周内上线，商家们将能够接受比特币、以太坊、Tether的稳定币USDT和Circle发行的稳定币USDC等加密货币，这些加密货币来自...</p>\n\n<a href=\"http://www.zhitongcaijing.com/content/detail/1322832.html\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU2360107671.USD","symbol_name":"BGF FINTECH \"A4\" (USD) 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receive 100 + cryptocurrencies with one click, aiming to reshape the cross-border transaction model","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"FBTC":1,"PYPL":1,"HODL":1,"BRRR":1,"BTCW":1,"DEFI":1,"GBTC":1,"EZBC":1,"BITO":1,"BTCO":1},"content_text":"智通财经APP获悉，全球最大规模数字支付服务提供商之一的PayPal(PYPL.US)很快将允许企业们在结账时接受一百多种加密货币，PayPal此举意味着这家在全球范围最具影响的线上支付巨头试图大幅提升跨境交易效率并且大幅降低跨境费率。据了解，该选项将在未来几周内上线，商家们将能够接受比特币、以太坊、Tether的稳定币USDT和Circle发行的稳定币USDC等加密货币，这些加密货币来自Coinbase、OKX、Phantom、MetaMask 和 Exodus等加密货币平台钱包。根据官方披露，当消费者们使用加密货币支付时，资金将自动转换为法定货币或PayPal所发行的PYUSD稳定币，并存入商家的账户。“全球有6.5亿用户活跃于3万亿美元市场规模的加密货币市场。”PayPal 大型企业及商家平台总经理弗兰克·凯勒(Frank Keller)在接受媒体采访时表示。“我们希望让小型企业能够接触到这个正在增长的客户群。”PayPal正在借助“Pay with Crypto”功能与 PayPal自家稳定币PYUSD，主动重塑传统跨境交易模式：新方案力争让商家一次性接入100+ 种数字资产，结算即刻到账且费率仅0.99%，与国际卡网络动辄 4%-10% 的手续费和多日清算周期形成鲜明对比。再叠加商户选择将回款留在 PYUSD 赚取约 4% 余额收益，以及 PayPal 正推进的“PayPal World”跨境支付网络(对接印度UPI等本地清算体系)，整体架构瞄准的正是跨境手续费高、到账慢、通道碎片化这三大痛点，，大幅压缩跨境交易成本并提高效率。凯勒表示，对于接受海外买家付款的小型企业，相关费用可能超过10%，交易结算也可能需要数日完成。相比之下，PayPal表示，“使用加密货币支付”的交易类型可以即时进行高效率跨境买卖结算，初期每笔费用仅仅为0.99%。选择将资金转换为PayPal自家稳定币PYUSD的企业，可在长期余额上获得约4%的收益。稳定币是一种特殊类型的加密货币，通过锚定美元、欧元、黄金等核心储备资产来维持稳定价值比例。随着制定稳定币监管框架的关键立法在美国国会加速推进完成，这类维系价格稳定的加密货币开始步入全球金融市场的主流资产领域。稳定币本质上是“链上的美元”，用高流动性美元资产(现金、短期美债) 1:1 做底层抵押。稳定币将“美元”与“区块链”结合，提供了兼具稳定与高效的新型支付载体，也让资本市场看到“数字美元化”的商业潜能。毋庸置疑的是，高利率以及加息周期令这些储备赚取可观利息，为稳定币发行商们(比如 Circle、Tether)带来接近银行级利润，同时也提供“准货基”收益。“关于加密货币的这一切仍处于早期阶段，但其普及速度之快令人惊讶，”凯勒谈到消费者使用加密货币支付的需求时表示。“当 PayPal 开启这项功能时，它会带来信任。”凯勒接替了本月早些时候离职的PayPal前区块链、加密和数字货币总经理何塞·费尔南德斯·达·蓬特。展望未来，PayPal 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PayPal(PYPL.US)即将一键接收100+加密货币 欲重塑跨境交易模式

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PayPal(PYPL.US)即将一键接收100+加密货币欲重塑跨境交易模式