PAYPAL STABLECOIN PYUSD 🚨 LONG POST ALERT 🚨

Most people write off $PYUSD as "just a token for Venmo." They are missing the invisible revolution.

$PYPL isn't building a crypto asset. They are building the settlement layer for the entire internet.

While Wall Street fights over trading volume, PayPal is quietly winning the war for commerce.

Here is the deep dive on the strategy nobody noticed 🧵👇 1. The "Boring" Business Model

First, let's look at the mechanics. How does a free token generate revenue?

It’s called "The Float."

When you buy $1,000 of $PYUSD, you give PayPal's partner (Paxos) cash.

They park that cash in short-term U.S. Treasuries earning interest (currently ~3.5% - 4%). You get the token. They collect the yield.

With a market cap near $4 Billion, this pile of cash generates roughly $150M annually in risk-free revenue.

Paxos takes a fee for managing the compliance, but $PYPL captures the majority of the net interest income, pure profit just for letting the money sit there.

PayPal Fastlane 🚨 LONG POST ALERT🚨

For a decade, $PYPL watched Apple Pay and Stripe eat its lunch.

But with Fastlane, they aren’t just fighting back. They are changing the war from "Payments" to "Identity."

Here is the deep dive on the infrastructure bet that finally secures their future. 🧵👇 1. What is "Fastlane"?

Think of this as the "EZ-Pass" for the open internet.

Just as you drive through a toll booth without stopping to pay cash, Fastlane allows a shopper to checkout on a supported merchant's site without ever creating a store account or logging into $PYPL.

It is a "Headless Wallet." It separates PayPal's massive data vault from the PayPal App.

Here is the magic in practice:

A shopper lands on a clothing site they have never visited before. They see a standard credit card form. They do not have a store account. They do not click the "PayPal" button.

They simply type their email.

Instantly, the site pings PayPal's graph. If that email matches one of the 400M+ users in PayPal's vault, a prompt appears: "We know you. Sent code to mobile."

The user enters a 6-digit OTP.

Fastlane instantly injects their name, shipping address, and vaulted card details into the native checkout fields.

The transaction processes as a standard credit card payment. The user never created a password. The merchant gets the sale.

This effectively turns a 3-minute "Guest Checkout" ordeal into a 10-second "One-Click" flow.