4.8 Banking PayPal申请设立犹他州特许银行，计划提供商业贷款、储蓄账户，并支持加密业务，减少对合作银行依赖，拓展合规金融服务。
PayPal已提交申请，拟在犹他州设立一家特许工业贷款公司，计划推出其首家美国实体银行PayPal Bank。该申请已递交犹他州金融机构部和联邦存款保险公司（FDIC）。若获批准，PayPal Bank将专注于为小企业提供商业贷款解决方案，并提供有息储蓄账户。此举还旨在支持PayPal不断扩展的加密货币及稳定币业务，包括其PYUSD稳定币，通过允许公司直接发放贷款、持有存款并接入支付网络，从而减少对合作银行的依赖，优化支付与结算基础设施。PayPal Bank的客户存款将有资格获得FDIC保险。公司已任命Mara McNeill为银行行长，为潜在上线做准备。PayPal的申请反映出金融科技及加密公司寻求美国银行牌照、在合规框架下拓展金融服务的行业趋势。
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