Finance

PayPal Expands Peer-to-Peer Payments to Include Crypto Transfers in the U.S.

Helga Ivv

17 Sep 2025 • Updated: 17 Sep 2025 — 2 min read

PayPal is deepening its push into digital assets, announcing that U.S. users will soon be able to send and receive cryptocurrencies directly through its peer-to-peer (P2P) payment system. The update, integrated into the PayPal app, will support Bitcoin (BTC), Ethereum (ETH), and PayPal’s own stablecoin, PayPal USD (PYUSD).

The new feature allows crypto transfers between PayPal accounts, Venmo, and compatible external wallets—further connecting the fintech giant’s ecosystem to the broader digital payments market.

PayPal Links: A New Way to Send and Request Money

Alongside the P2P crypto rollout, the company is launching “PayPal Links,” a tool that lets users create personalized links for sending or requesting payments via text, chat, or email. The feature is designed to make everyday money transfers faster and more convenient, while expanding PayPal’s social and mobile payment reach.

Building on Growth and Crypto Momentum

The expansion comes as PayPal reported strong P2P momentum in the second quarter of 2025, with consumer payment volumes climbing 10% year-over-year. By extending crypto support, the company aims to reinforce that growth under its broader “PayPal World” initiative, which seeks to connect leading wallets and payment networks globally.

Source: PYPL 2Q-25 Earnings Presentation

This is not PayPal’s first step into crypto. In July, the company launched its “Pay with Crypto” feature for merchants, enabling businesses in the U.S. to accept more than 100 cryptocurrencies—including BTC, ETH, and PYUSD. Payments are automatically converted into stablecoins at near-instant speed, often with lower transaction fees.

What It Means for Users

For everyday consumers, the integration of crypto into P2P payments means greater flexibility in how money can be sent, requested, and received. By combining traditional digital payments with blockchain-powered transfers, PayPal is positioning itself as both a mainstream payments leader and an entry point into crypto adoption.

Outlook

As digital wallets and cryptocurrencies continue to converge, PayPal’s latest update underscores its strategy to stay ahead of shifting payment trends. Whether for traditional fiat or crypto transactions, the company is betting on P2P as the cornerstone of its future growth.

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