PayPal, the digital payments company, has seen its stock price nearly halve in recent months, leading to discussions about who would actually get in if a deal were to go through. Among the names swirling in online chatter is Ripple, the blockchain payments company, which has been on a roll. marijuana has been discovered in recent months.
Although no negotiations are confirmed, the concept of Ripple acquiring PayPal is interesting due to overlap between the two 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 Really Acquire PayPal?
PayPal’s share price has fallen nearly 46 percent in the past year, leading to talk of a possible takeover of the company in the near future. For example, Fintech startups Stripe is reported to have entered early negotiations to buy PayPal.
However, there has been speculation among members of the XRP community that Ripple may be in the running to acquire PayPal. Jay Nisbett, commenting on X, explained the concept as just a guess but he also noted that it makes sense from a synergy perspective.
He pointed out that PayPal’s market capitalization is hovering around the $40 billion mark, which is reportedly lower than Ripple’s latest private valuation. However, supporting such an agreement will still be difficult. PayPal is a publicly traded company with a large shareholder base, regulatory obligations, and global compliance structures.
On the other hand, Ripple is kept private. Any acquisition may require capital raising, structured financing, or even a reverse merger approach that allows Ripple to successfully enter the public markets through PayPal’s listing.
Nisbett also noted that PayPal’s stablecoin, PYUSD, it currently has a market cap of $4 billion. Discovery will allow this to be easily integrated into it The Ripple ecosystem with RLUSD and XRP Ledger.
Another angle involves the position of control. Ripple which recently received extended regulatory approval and financial licenses can support in theory payment functions on a wide scale. The PayPal acquisition will immediately connect Ripple to PayPal’s established banking and e-commerce network. This includes a large share of Ripple’s global online payment processing and existing cross-border corridors, which are expected to be around 45% of the total market.
Ripple’s Growing Record of Acquisitions
Ripple has expanded its footprint in recent months through a series of high-profile acquisitions that put its business beyond just payments on the XRP Ledger. To put this in context, Ripple spent about $2.7 billion purchased three years ago.
Just in 2025, the company bought Hidden Road, a wholesale company; Greasery, a global wealth management platform focuses on corporate finance; and Rail, a stablecoin payment platform focused on cross-border payment capabilities. Ripple also acquired Palisade, a digital wallet and storage technology provider.
Currently, there are no confirmed negotiations between Ripple and PayPal, and acquisition negotiations are not it’s all just speculation at this point.
Featured image from Medium, chart from Tradingview.com
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