PayPal, the digital payments company, has seen its stock price slump by almost half its value in recent months, which has led to conversations about who could realistically step in if a deal were ever pursued. Among the names circulating in online discussions is Ripple, the blockchain payments firm, which has been on a spree of acquisitions in recent months.
Although no talks have been confirmed, the idea of Ripple acquiring PayPal is interesting because of the overlap between both companies in digital payments, cross-border transfers, and stablecoins. The question now is what this potential acquisition would mean for Ripple’s ambitions in global finance.
Can Ripple Realistically Acquire PayPal?
PayPal’s share price has fallen by around 46% over the past year, leading to discussions as to whether there might be a takeover of the company very soon. For instance, Fintech startup Stripe is reportedly in early discussions to potentially buy PayPal.
However, there have also been speculations among members of the XRP community as to whether Ripple might actually be in contention to acquire PayPal. Jay Nisbett, commenting on X, described the idea as purely speculation but also noted that it makes sense from a synergy standpoint.
He pointed out that PayPal’s market capitalization is around the $40 billion mark, which is reportedly below Ripple’s latest private valuation. However, financing such a deal would still be complicated. PayPal is a publicly traded company with a large shareholder base, regulatory obligations, and global compliance frameworks.
Ripple, on the other hand, is privately held. Any acquisition would likely require capital raises, structured financing, or even a reverse merger mechanism that allows Ripple to effectively enter public markets through PayPal’s listing.
Nisbett also noted that PayPal’s stablecoin, PYUSD, currently has a $4 billion market cap. An acquisition would allow this to be easily integrated into Ripple’s ecosystem with RLUSD and the XRP Ledger.
Another angle involves regulatory positioning. Ripple recently secured expanded regulatory approvals and financial licenses that could theoretically support payment operations on a broader scale. A PayPal acquisition would instantly plug Ripple into PayPal’s established banking and e-commerce distribution network. This includes Ripple’s large share of global online payment processing and its existing cross-border corridors, which are expected to be about 45% of the total market.
Ripple’s Growing Track Record Of Acquisitions
Ripple has been expanding its footprint in recent months through a series of high-profile acquisitions that are placing its business beyond just payments on the XRP Ledger. To put this into context, Ripple has spent about $2.7 billion in acquisitions in the past three years.
In 2025 alone, the company bought Hidden Road, a multi-asset prime brokerage firm; GTreasury, a global treasury management platform focused on corporate finance; and Rail, a stablecoin payments platform that focuses on cross-border payment capabilities. Ripple also acquired Palisade, a digital asset wallet and custody technology provider.
At this time, there are no confirmed discussions between Ripple and PayPal, and acquisition talks are all just speculation at this point.
Featured image from Medium, chart from Tradingview.com
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