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PayPal Wants to Become a Bank. This Changes Everything.

PayPal is no longer just a payments company.

It wants to be a bank.

Quietly, without fanfare, PayPal has applied to US regulators to launch PayPal Bank, a Utah-based industrial loan company. If approved, this move would allow PayPal to offer interest-bearing savings accounts, provide small business loans more efficiently, and directly access US card networks, reducing its dependence on traditional banks.

This is not a sudden pivot.

Since 2013, PayPal has already issued over $30 billion in loans to more than 420,000 businesses worldwide. What’s changing now is control. Banking status means lower friction, faster lending, deeper data access, and stronger margins.

For small businesses, this could mean quicker access to capital and simpler financial tools. For traditional banks, it’s a warning shot. Fintechs are no longer content sitting on top of the system. They want to own it.

If regulators approve the move, customer deposits at PayPal Bank would be FDIC insured, bringing trust, scale, and legitimacy to PayPal’s next phase.

This video breaks down what PayPal becoming a bank really means, who benefits, who loses, and why this shift signals the future of money, lending, and digital finance.

Sometimes, the biggest changes don’t arrive loudly.
They arrive as paperwork.

Watch closely.