PayPal Launches Personalized Payment Links with Crypto Support in 2025: What You Need to Know

• What Are PayPal’s New Personalized Payment Links?
• How Does Crypto Support Work?
• Why Is PayPal Betting Big on Crypto?
• What’s Next for PayPal and Venmo?
• FAQs About PayPal’s Payment Links and Crypto Support

PayPal has rolled out a game-changing feature—personalized payment links with crypto support—aimed at simplifying peer-to-peer (P2P) transactions. Initially available to U.S. users, the service will expand to the UK, Italy, and other markets later this month. The move is part of PayPal’s broader strategy to integrate cryptocurrencies into everyday payments, including support for Bitcoin, Ethereum, and stablecoins. With Venmo also seeing record growth, PayPal is doubling down on seamless, global money movement. Here’s a deep dive into how it works, why it matters, and what’s next for the fintech giant.

What Are PayPal’s New Personalized Payment Links?

PayPal’s new payment links allow users to send and receive money through a unique, one-time LINK shared via text, email, or social media. Think of it as Venmo meets WhatsApp—no app downloads or account swaps required. The links expire after 10 days, and users can cancel or remind recipients before the transaction completes. According to Diego Scotti, PayPal’s General Manager of Consumer Group, “Whether you’re texting, messaging, or emailing, now your money follows your conversations.” The feature is live in the U.S. as of September 2025, with a global rollout planned.

How Does Crypto Support Work?

For the first time, PayPal is enabling crypto transfers via these links. Users can send Bitcoin, Ethereum, or stablecoins directly to friends or family, with conversions to fiat or stablecoins happening instantly. The company confirmed that P2P crypto transfers won’t trigger 1099-K tax forms for personal payments—a relief for users splitting bills or sending gifts. Notably, PayPal’s crypto integration extends to Venmo, allowing cross-platform transfers. Data from CoinMarketCap shows crypto adoption in P2P payments grew 18% year-over-year, signaling strong demand for such features.

Why Is PayPal Betting Big on Crypto?

PayPal’s push into crypto isn’t new. In July 2025, it launched “Pay with Crypto,” letting merchants accept 100+ cryptocurrencies at a 0.99% transaction fee—90% cheaper than traditional card processing. The MOVE taps into a $3+ trillion crypto market, per TradingView data. Analysts at BTCC note that PayPal’s ecosystem play—linking fiat, crypto, and social payments—could redefine digital commerce. “They’re not just adding crypto; they’re making it invisible,” says one analyst. With Venmo’s TPV hitting a 3-year high, the strategy seems to be working.

What’s Next for PayPal and Venmo?

Starting in 2026, Venmo users will gain access to millions of global merchants, further blurring lines between social payments and e-commerce. PayPal also teased “PayPal World,” a framework for interoperable wallets, though details remain scarce. One thing’s clear: the company is all-in on removing friction from money movement. As Scotti puts it, “It’s about showing up where people connect.”

FAQs About PayPal’s Payment Links and Crypto Support

How do I create a PayPal payment link?

Open the PayPal app, enter the payment amount or request, and generate a one-time link. Add a note or emoji for personalization, then share it via your preferred platform.

Are crypto transfers taxable?

Personal P2P crypto transfers (gifts, reimbursements) are exempt from 1099-K reporting. However, business transactions may still incur tax obligations—consult a professional.

Which cryptocurrencies are supported?

Bitcoin (BTC), ethereum (ETH), and major stablecoins are currently supported, with more assets likely to be added.

When will this feature launch globally?

The UK and Italy are next, with expansion to additional markets expected by Q4 2025.