The American payments giant dreams of being a "super app". In search of growth drivers, it aims to add more and more services to its application. The prospect of the Californian company would be to imitate the success of Chinese "super apps" like WeChat and Alipay. The American payments giant, which has more than 400 million customers spread across more than 200 markets, dreams of being a "super app", according to an announcement by its boss, Dan Schulman, during an investor day in February.

PayPal already allows its users to invest in cryptocurrencies. The group found that half of the customers who have opened a crypto account on PayPal come every day to consult their application. Still, PayPal is far from having the interactivity of a WeChat, which is originally a social network, or the wealth of services of an Alipay, which combines financial service and market place.

For PayPal, this transformation means, at first, nibbling more and more at the cake that the banks shared until then, even if the main competitor of PayPal "it is cash".