PayPal integrates XRP payment in a major move! Cross-border costs drop by 90%, can XRP leverage this to break through?

Question

On July 28, American payment giant PayPal announced the launch of the "Pay with Crypto" feature, supporting over 100 Crypto Assets for international payments, with costs potentially reduced by up to 90%. This move comes as the U.S. regulatory stance shifts, coupled with rising expectations for XRP Spot ETF and the key milestone of the SEC appeal ruling approaching, resulting in multiple catalysts for XRP's short-term price movement. Meanwhile, Bitcoin is experiencing a pullback due to the delay of Trump's ETF, but analysts believe the Spot ETF has reshaped BTC's long-term bullish trend. PayPal Embraces XRP: Opening a New Era of Crypto Payments

On July 28, the mainstream American payment platform PayPal (PYPL) announced a major innovation, allowing account holders to use Crypto Assets including XRP for international payments, saving up to 90% in costs. PayPal will support over 100 types of Crypto Assets and qualified wallets, with funds available instantly.

PayPal stated in a statement: "Through our new payment method 'Pay with Crypto', we enable merchants to reach over 650 million Crypto Assets users and allow them to pay using any of the hundreds of eligible wallets and cryptocurrencies." This feature will be available to U.S. merchants in the coming weeks.

Covering 90% of Crypto Assets market value, mainstream coins and wallets are complete The "crypto payment" feature covers 90% of the total market value of over 3 trillion dollars in Crypto Assets, supporting over 100 tokens including BTC, ETH, USDT, XRP, BNB, Solana, USDC, and connecting multiple mainstream CEX wallets, with plans for further expansion in the future.

PayPal President and CEO Alex Chriss stated: "Businesses face immense pressure in their global development, from high international payment costs to complex system integration. Today, we are removing these barriers." He illustrated: "Imagine a shopper in Guatemala purchasing a special gift from a merchant in Oklahoma City. Through PayPal's open platform, merchants can accept crypto payments to increase profit margins, reduce transaction fees, receive earnings in near real-time, and store funds in the form of PYUSD with a 4% annual yield in PayPal." Boosted by this news, PayPal's stock price rose 0.31% on the day, closing at a five-month high of $78.22.

Regulatory shift propels XRP mainstreaming, key events follow one after another The shift in the attitude of the U.S. government and the SEC towards Crypto Assets is driving digital assets into the mainstream, which is crucial for the widespread adoption and sustainable price increase of XRP.

The National Cryptocurrency Association of the United States commented: "Whether it's for remittances, paying freelancers, or online shopping, cryptocurrencies are becoming a part of people's flow and management of funds. 23% of non-holders said they would choose to use it if they could easily spend cryptocurrencies. Such initiatives are making this possible."

At the time of PayPal's statement, two key events are approaching:

Presidential Working Group Report (July 30): The U.S. President's Working Group on Digital Assets is set to release a highly anticipated report that may recommend including crypto assets like XRP in the U.S. strategic reserve assets. If the U.S. government purchases XRP, it will significantly alter the supply-demand balance and trigger a price breakout.
SEC Appeal Ruling (July 31): The SEC may vote to withdraw its appeal regarding the "programmatic sale of XRP" ruling in the Ripple case. If the appeal is withdrawn, it will effectively end the litigation and pave the way for the launch of the XRP Spot ETF.

XRP Price Outlook: Regulatory Game and ETF Expectations Become Focal Points On July 28, XRP fell by 3.64%, closing at $3.1224, underperforming the overall Crypto Assets market (total market capitalization decreased by 1.72% to $3.83 trillion).

The short-term price outlook for XRP depends on multiple catalysts:

The President's working group report recommends
SEC appeal voting result
XRP Spot ETF Progress
Progress of Ripple in obtaining a banking license in the United States
SWIFT-related dynamics
CLARITY Act ( legislative process

Technical Analysis: If it can break through the July 28 high of 3.3302 USD, it is expected to test the 3.5 USD level; if it stays above 3.5 USD, the bulls may challenge the historical high of 3.6606 USD from July 18. If it loses the 3 USD support, it may test the 2.8 USD area.

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Bitcoin Under Pressure: Trump Spot ETF Approval Delayed While XRP is declining due to the potential SEC vote, Bitcoin )BTC( is also facing selling pressure due to the dynamics of the Spot ETF. On July 28, the SEC postponed its decision on the Bitcoin Spot ETF application submitted by Trump's Truth Social to September 18, 2025 (the application was submitted in June). If approved, it could attract more institutional funds into the BTC Spot ETF market, driving it to reach new historical highs.

BTC Spot ETF capital flow becomes a key barometer for price movement The US BTC spot ETF market was a key force driving BTC to a historic high of $122,055 on July 14. Following a net inflow of $4.579 billion in June, a net inflow of $3.6823 billion in the first two weeks of July helped BTC achieve record gains.

On July 28, the US BTC spot ETF market may continue the trend of net inflows (according to Farside Investors data):

Fidelity Wise Origin Bitcoin Fund ) FBTC (: Net inflow of 30.9 million USD
Grayscale Bitcoin Trust ) BTC (: Net inflow of $11 million
ARK 21Shares Bitcoin ETF ) ARKB ( and Bitwise Bitcoin ETF ) BITB (: Total net outflow of 32.2 million dollars.
BlackRock ) IBIT ( data is pending announcement, with a net outflow reported at $9.7 million for the day, potentially achieving a net inflow for three consecutive days.

Analyst Opinion: ETF Reshapes BTC Long-Term Trajectory Crypto analyst Mitchell Askew pointed out: "BTC/USD has been like two completely different assets before and after the Spot ETF launch. The days of parabolic surges and devastating bear markets are over. In the next 10 years, BTC will reach $1 million through continuous oscillations of 'upward' and 'consolidation'. The process may seem tedious, but it will shake out the weak holders."

Bloomberg senior ETF analyst Eric Balchunas agrees with this view: "Since BlackRock's application, Bitcoin has risen about 250%, volatility has significantly decreased, and there has been no panic-inducing deep pullback. This has attracted larger amounts of capital and created the possibility for it to become a currency. The cost may be the difficulty in achieving the 'God's giant bullish line', you can't have both fish and bear's paw."

BTC Price Outlook: Data, Policy, and Capital Flow Game On July 28, BTC fell by 1.12%, closing at $118,065.

Short-term price movement depends on:

July 29th US labor market and consumer confidence data
Legislative progress of the "Clarity Act"
The presidential working group’s stance on BTC as a strategic reserve asset
Federal Reserve Interest Rate Decision and Policy Outlook
BTC Spot ETF fund flow

Potential Scenario:

Bearish Scenario: Legislative delays, government opposition to BTC reserves, recession concerns, and continuous outflows from ETFs. A combination of factors could push BTC down to $115,000, testing the 50-day Exponential Moving Average )EMA(.
Bullish Scenario: Progress of the Clear Act, support for Bitcoin as a strategic reserve, easing concerns over economic recession, and continued inflow into ETFs. BTC may challenge the historical high of $122,057 again.

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Conclusion: PayPal's integration of XRP payments marks a significant breakthrough for encryption in the cross-border enterprise payment sector, combined with the potential shift in regulatory policies (presidential task force report, SEC appeal ruling) and expectations for the XRP spot ETF, significantly enhancing XRP's short-term price momentum. Although Bitcoin has experienced a pullback due to the delay of Trump's ETF, the continued inflow of institutional funds from the spot ETF has established a foundation for low volatility and a slow bull market. Investors need to closely monitor the progress of the Ripple case, the implementation of regulatory policies, and the flow of ETF funds, as these factors will determine whether XRP and BTC can initiate a new round of record-breaking trends.