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PayPal

PayPal

PayPal is one of the first major U.S. fintech companies to launch its own regulated stablecoin, PYUSD, issued by Paxos and fully backed by U.S. dollar...

Fido

Fido

Fido is a crypto-yield platform offering 10% APY with a simple, banking-like app. Unlike other centralized lenders, Fido uses self-custody and is non-...

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General

Platform
PayPal logo
Fido logo
Founded
PayPal 1998
Fido 2025
Headquarters
PayPal San Jose, CA
Fido
Availability
PayPal Worldwide
Fido Worldwide

Fees & Financial

Bonus
PayPal $10 bonus
Fido 30-day 1% APY boost with code: CIR ($250 deposit required)
Token
PayPal PYUSD
Fido
Compounding
PayPal No
Fido Yes
Payouts
PayPal
Fido Every second
Fees
PayPal
Fido None
Lockup
PayPal None
Fido None
Maker Fee
PayPal
Fido
Taker Fee
PayPal
Fido

Cryptocurrency Rates

BTC Rate
PayPal
Fido
BTC Max
PayPal
Fido
ETH Rate
PayPal
Fido
ETH Max
PayPal
Fido
Stablecoin Rate
PayPal 4%
Fido 10%

Unique Pros

  • Integrated with existing PayPal account
  • Mainstream-friendly onboarding

Key Cons

  • PYUSD only
  • Lower rates than dedicated crypto platforms

Unique Pros

  • Deposit or withdraw USDC or USD
  • $100k insurance included
  • Fixed target rate

Key Cons

  • 10% is a target rate, not guaranteed
  • US-focused