PayPal Expands PYUSD to Stellar Network — Is This the Future of Cross-Border Payments?

Updated

June 13, 2025

Gambar PayPal Expands PYUSD to Stellar Network — Is This the Future of Cross-Border Payments?

Jakarta, Pintu News – PayPal has announced plans to extend its US dollar-bound stablecoin, PayPal USD (PYUSD), to the Stellar blockchain network.

This move is expected to change the way cross-border remittances and financing for small businesses are done. Currently, the expansion is still awaiting final regulatory approval from the New York Department of Financial Services (NYDFS).

Why Stellar?

We’re excited to share @PayPal is bringing its stablecoin, PYUSD, to Stellar.

When you need infrastructure that works beyond the hype—real payments, real merchants, real global reach—you build where millions already transact daily.https://t.co/luYcZEPZ3H
— Stellar (@StellarOrg) June 11, 2025

Stellar is known for its near-instant transaction speed and low fees, making it ideal for payments, remittances, and decentralized financial services.

Stellar’s network infrastructure spans over 170 countries with a wide selection of entry and exit ramps, digital wallets, and integration with local banking and cash systems. This is highly beneficial for everyday users, merchants, and small businesses, especially in emerging markets where traditional financial systems are often slow, expensive, or inaccessible.

Stellar offers a robust platform for efficient global transactions. With this expansion, PayPal USD (PYUSD) will be more accessible to a wider audience, enabling faster transactions and lower fees compared to traditional networks.

Introducing PayFi: Real-Time Working Capital for SMEs

One of the newest features of this partnership is the Payments Financing Development (PayFi). This model allows small and medium-sized enterprises (SMEs) to access working capital in real time, paid directly in PYUSD on Stellar.

SMEs can use these funds to pay suppliers, manage inventory, or cover other operational costs, with the advantage of instant settlement and full transparency.

In addition, liquidity providers can participate in these financing flows and earn returns from real economic activity rather than speculative trading. This opens up new opportunities for economic growth and innovation in digital financing.

Improving Stablecoin Utility Beyond DeFi

paypal pyusd kamino finance — Source: CryptoSlate

Stablecoins like PayPal USD (PYUSD) have long been one of the best practical applications of crypto because they combine the programming capabilities of blockchain with the stability of fiat currency.

May Zabaneh, PayPal’s Vice President of Blockchain and Crypto, emphasized that cross-border payments are a key area where digital currencies provide real benefits. With this partnership, PayPal and Stellar seek to support the development and practical use of this technology.

Denelle Dixon, CEO of the Stellar Development Foundation, stated that this partnership will bring stable cryptocurrencies to individuals and small businesses in emerging markets globally.

Overall, the expansion of PayPal USD (PYUSD) to Stellar not only marks a major step in the evolution of digital finance but also promises increased accessibility and efficiency in global payments.

By supporting innovations like PayFi and expanding their global reach, PayPal and Stellar are together strengthening an inclusive and sustainable digital finance ecosystem.

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