PYUSD PayPal Opens Opportunities for AI Financing and Global Payment Service Transformation

PYUSD has rapidly grown to become one of the most dynamic stablecoins in the market. According to the latest data, the circulating flow of PYUSD reached 3.65 billion, with a significant increase from 1.2 billion in September to 3.8 billion, demonstrating consistent growth momentum. The transaction volume supported by this stablecoin also surged 150% to 1.8 million transactions, positioning PYUSD as one of the top three fastest-growing stablecoins in the third quarter of 2025.

USD.AI and PayPal Open Access to Structured Credit for the Technology Sector

PayPal announced a strategic collaboration with USD.AI, a blockchain-based financing protocol, to provide credit solutions for companies operating in the artificial intelligence field. Through this partnership, USD.AI will issue loans in the form of PYUSD to applicants needing capital for acquiring (GPU) graphics processing units, data center development, and other AI-related infrastructure construction.

Companies and organizations applying for loans will receive funds directly in PYUSD into their PayPal accounts. The two partners plan to integrate standard payment mechanisms with specially designed programmable solutions to facilitate long-term credit, lease arrangements, and AI agent-driven transactions in the future.

As an incentive to attract more participants, PayPal and USD.AI are offering an interest rate of 4.5% for deposits up to 1 billion dollars. This incentive program will start in early January and run throughout the year, reflecting both entities’ commitment to building a more inclusive financing ecosystem.

Expanding the Role of Stablecoins Beyond Traditional Cryptocurrency Ecosystems

The PayPal-USD.AI collaboration marks a paradigm shift in the use of stablecoins. These digital instruments are no longer limited to transactions within crypto environments but now play a crucial role in funding capital-intensive sectors such as AI technology. In parallel, recent reports from the Blockchain Gaming Alliance reveal that stablecoins have achieved status as one of the three main infrastructure drivers in the Web3 gaming ecosystem.

The ability of stablecoins to create self-sustaining, revenue-generating payment systems has opened new opportunities for developers. This success also highlights the potential of stablecoins to facilitate cross-border remittances with lower costs and faster transaction speeds, an advantage increasingly recognized by global financial institutions.

PayPal Deepens Integration with Leading AI Platform

In related developments, PayPal has partnered with OpenAI to integrate its payment services directly into ChatGPT. Through this integration, ChatGPT users can now perform payment transactions without leaving the platform, creating a seamless and integrated shopping experience.

Under this agreement, PayPal will handle technical aspects such as merchant routing and transaction verification for merchants operating on large language models. In return, the PayPal team will leverage AI tools to complete tasks more efficiently and accelerate the development cycle of innovative payment products.

AI Investment Landscape and Global Banking Strategies

This momentum occurs as capital expenditures for AI infrastructure continue to rise globally. UBS Bank projects that global AI capex investments will reach 360 billion dollars this year, with an additional 33% growth to 480 billion dollars by 2026. This projection reflects the increasing demand for advanced technological solutions.

In response to this trend, various global financial institutions have announced plans to develop their own stablecoins. Recently, PayPal applied to the Federal Deposit Insurance Corporation and authorities in Utah to establish PayPal Bank, indicating long-term ambitions in banking services. Other financial institutions like SoFi Bank have also announced the launch of SoFiUSD, a dollar-backed stablecoin operating on an permissionless blockchain.

Similar initiatives are also developing in Europe, where a group of banks has collaborated to develop stablecoins pegged to the Euro. Their goal is to create tightly regulated payment instruments to settle international remittance transactions more efficiently and cost-effectively, reflecting widespread recognition that stablecoins will play a fundamental role in the future of the global financial system.