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BTCC / BTCC Square / Global Cryptocurrency /
PayPal Pursues U.S. Bank Charter to Expand Fintech Lending Capabilities

PayPal Pursues U.S. Bank Charter to Expand Fintech Lending Capabilities

Author:
Global Cryptocurrency
Published:
2025-12-16 02:50:02
10
3
BTCCSquare news:

PayPal Holdings Inc. is seeking a U.S. bank charter to bolster its small-business lending operations and reduce dependence on third-party financial partners. CEO Alex Chriss framed the MOVE as a solution to "lingering capital challenges" stifling small-business growth, noting the potential for FDIC-insured deposits and interest-bearing accounts if approved by regulators.

The payments giant already holds a Luxembourg banking license and aims to replicate its European infrastructure stateside. This aligns with a broader trend of fintech and crypto-adjacent firms pursuing banking charters to streamline financial services.

Analysts suggest the charter could transform PayPal’s balance sheet dynamics, enabling direct lending without intermediary partnerships. The company’s stock ROSE 2.3% in premarket trading following the announcement.

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