PayPal Holdings, Inc. is a longtime fintech giant that grew from Confinity/X.com roots into eBay’s checkout engine and, after a 2015 spinoff, expanded via acquisitions like Venmo, Xoom, and Braintree into a full-service payments platform. Its core model—transaction fees plus “other value‑added services” (BNPL, interest on balances, lending, partnerships)—leans on powerful two‑sided network effects and a massive base of ~400M active accounts. Management under CEO Alex Chriss is pushing profitable growth, B2B scale via Braintree, and bold moves into “agentic commerce” (notably a partnership with OpenAI to enable in‑chat buying). The upside is scale, brand, and strategic positioning for AI‑driven commerce; the downside is margin pressure, regulatory and macro risks, and execution uncertainty. Is PayPal a resilient payments leader poised to adapt, or a legacy player losing ground in a fast‑changing battlefield?

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