Total Balance
$4,057.21
Active
USD
$1,257.21
Feature-by-Feature Comparison
| Feature | VaultLeap | PayPal |
|---|---|---|
| FX fee | ~0.5% | 3–4% |
| Transfer fee | 0.75% → 0.65% | 2.99% + $0.49 (G&S) |
| Cross-border surcharge | $0 | +1.5% |
| Fund holds | None | Up to 21 days |
| Stablecoin support | USDC auto-convert | Limited (send only) |
| Debit card intl fees | $0 | 2.5% |
Fees as of April 2026. PayPal fees vary by transaction type and corridor.
Where VaultLeap Wins
Lower total cost on international payments
VaultLeap charges 0.75% transfer + ~0.5% FX (0.65% transfer on Pro). PayPal's Goods & Services fee is 2.99% + $0.49, plus a 1.5% cross-border surcharge and a 3–4% currency conversion fee.
No fund holds
VaultLeap has no hold periods — your money is available as soon as the transfer settles. PayPal may hold new seller funds for up to 21 days.
Transparent FX fees
VaultLeap charges ~0.5% FX (partner pass-through, no markup). PayPal's currency conversion fee is 3–4%, applied to the exchange rate.
Stablecoin settlement built in
Your fiat deposits settle as USDC automatically — instant, borderless, no bank holds. PayPal doesn't support stablecoin settlement or auto-conversion.
VaultLeap Pricing
Standard
0.75%
per transfer
Pro
0.65%
per transfer