Swap & Bridge PayPal USD
Swap PayPal USD (PYUSD) on xswap.to with no account and no KYC, at a live price of about $0.4168. PYUSD trades against 809 pairs here: pick one, send your coins to a one-time deposit address, and the swap pays out straight to your wallet. Rates are floating, and you see an estimate before you send.
About PayPal USD (PYUSD)
PayPal USD (PYUSD) is a dollar stablecoin issued by Paxos under the PayPal brand, and this page covers the ERC-20 version that lives on Ethereum. Paxos holds US dollar deposits, short-term US Treasuries and similar cash equivalents as reserves and publishes monthly reports on them. A common reason to swap PYUSD is to turn a PayPal-linked dollar balance into BTC, ETH or another stablecoin, or to park trading proceeds in a dollar token that can later go back into PayPal.
Two PYUSD listings exist on xswap.to: the Ethereum token with contract 0x6c3ea9036406852006290770BEdFcAbA0e23A0e8 and a separate SPL token called PayPal USD (Solana). They track the same dollar, yet a transfer on one chain never shows up on the other, so choose the listing for the chain your tokens are on. Ethereum deposits and payouts use a standard 0x address and need no memo. Moving an ERC-20 token costs gas in ETH, paid by the sending wallet.
Once you choose what to exchange PYUSD for and paste your receiving address, the widget calculates a floating-rate estimate after subtracting the exchange margin and the payout network fee. You then get a one-time deposit address for that order. Ethereum blocks come every 12 seconds; the gas you offer affects how soon your deposit is included, and the payout chain sets the rest of the pace. If the market moves before the deposit confirms, the payout can differ slightly. The order page tracks every stage.
PYUSD networks on xswap.to
Each network is a separate option in the coin selector. Send and receive only on the network you pick, and use a memo or tag where one is required.
| Listing | Network | Type | Memo / tag |
|---|---|---|---|
| PayPal USD | Ethereum | ERC-20 token | Not needed |
| PayPal USD (Solana) | Solana | SPL token | Not needed |
Before you send
- Send PYUSD as an ERC-20 transfer on Ethereum, and pick the PayPal USD (Solana) listing instead if your tokens sit on Solana.
- Keep a small ETH balance in the sending wallet, because the PYUSD token transfer pays its gas in ETH.
- Check that your wallet lists PYUSD under contract 0x6c3ea9036406852006290770BEdFcAbA0e23A0e8, because fake dollar tokens often copy the name.
- When withdrawing from PayPal, choose the Ethereum network and paste the one-time deposit address from your order page.
PYUSD Frequently Asked Questions
Who issues PayPal USD and what backs each token?
Paxos issues PYUSD, and PayPal distributes it under its own brand. Reserves are held in US dollar deposits, short-term US Treasuries and similar cash equivalents, with monthly reserve reports from Paxos. The token aims to hold one dollar, though trading prices can drift by a fraction of a cent.
Can I pay for an Ethereum PYUSD order with PYUSD on Solana?
An order created on the Ethereum listing accepts only ERC-20 PYUSD sent on Ethereum, so Solana tokens sent there can be lost. If your PYUSD is on Solana, start a new order with the PayPal USD (Solana) listing so the deposit address matches the chain.
Why do I need ETH when I am sending a stablecoin?
Ethereum charges gas in ETH, never in the token being moved, and PYUSD is no exception. Without some ETH in the sending wallet, your PYUSD transfer will fail to broadcast. The payout side works differently, because its network fee is already deducted in the estimate.
Can I send PYUSD directly from my PayPal account to xswap.to?
Where PayPal lets you send crypto to external wallets, you can paste the one-time deposit address as the recipient. Choose Ethereum as the network to match this listing. Check PayPal's own limits and regional rules first, since they decide which transfers your account allows.
Why is my PYUSD payout a little lower than the first quote?
That first figure is a floating-rate estimate. It already includes the payout network fee, but the price of the coin you swap against can move before your deposit confirms on Ethereum. A congested network that slows confirmation widens that window slightly.
Where can I check my PYUSD swap if it seems stuck?
The order page shows whether the swap is waiting for the deposit, confirming, exchanging, sending or finished, and Track Order brings back recent orders kept in your browser. If nothing changes for a long time, look up the deposit on Etherscan, then contact @xswap_to on Telegram with your transaction ID.
Contact & Support
| Service | xswap.to, an instant crypto exchange for PayPal USD (PYUSD) |
|---|---|
| Exchange engine | Automated routing across multiple third-party liquidity providers |
| Custody | Non-custodial: no account, no sign-up and no ID upload. You never share a password, seed phrase or private key. |
| Support | Telegram: @xswap_to |
| Availability | 24/7 automated processing |
| Legal | Terms of Service · Privacy Policy |