PayPal Crypto
PayPal
A service with over 430 million users offering the native PYUSD stablecoin on Ethereum and Solana, integrated with Venmo and Braintree. Crypto functionality is limited to the US, however, privacy is rated very low and there is no public affiliate program.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | condiviso |
| Multi-currency | Yes · 25 currencies |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| Interest on balance | 4% |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | US · 1+ countries |
| Regulator | FinCEN, state regulators |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | Money Transmitter + EMI (UK/EU) |
Plans & pricing
Strengths
- 430M+ users; PYUSD stablecoin native ETH+Solana; integration Venmo/Braintree.
- No notable sovereignty advantage documented.
Weaknesses
- US only for crypto; privacy 2/10; no affiliate program.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
The A tier, the highest in the category, rests on over 430 million users, FinCEN and state-regulator oversight, and a native PYUSD stablecoin on Ethereum and Solana: for the everyday user this is the strongest institutional footing on offer here. The limits are crypto functionality confined to the US and the absence of an affiliate program.
What makes it safe for the mainstream sinks it on sovereignty: one of the lowest privacy scores, centralised custody, full KYC and PYUSD entirely controlled by PayPal, hence freezable at the issuer's discretion. It is the opposite of crypto-native logic, with no self-custody and no censorship resistance.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is PayPal Crypto a real bank?
PayPal Crypto operates under a Money Transmitter + EMI (UK/EU) licence. Fund protection: Safeguarding — no deposit guarantee.
Can I send transfers to third-party IBANs with PayPal Crypto?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does PayPal Crypto support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does PayPal Crypto support?
PayPal Crypto supports 25 fiat currencies. Multi-currency accounts: supported.
Can I withdraw crypto on-chain from PayPal Crypto?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Founders · Monthly fee · +1 Data verified on Jun 13, 2026
- newsroom.paypal-corp.com Variante stablecoin.chain Data verified on Jul 18, 2026
- hackerone.com Bug bounty Data verified on Jun 14, 2026
- investor.paypal-corp.com Legal name · Company type · Corporate site · Stock ticker · +2 Data verified on Jun 14, 2026
Show 2 more sources
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- eco.com Savings interest · Deposit guarantee · Variante stablecoin.yield pct stablecoin · Variante stablecoin.yield fonte · +2 Data verified on Jun 13, 2026