There is no privacy-focused PayPal alternative in the US, in part because US money transfer laws and policies (e.g. Know Your Customer) run directly counter to privacy.
However, there are a couple of projects in development that might eventually lead to something less bad for privacy than PayPal is:
GNU Taler, if they ever get any exchanges and they figure out how to mitigate the high cost of wire transfers for small payments.
FedNow, if banks use it to build person-to-person payment services instead of just using it for themselves and their business customers.
Cryptocurrencies are not reliably fungible, nor stable, nor widely accepted. They have their uses, but they are not suitable replacements for PayPal and not what OP asked for.
Monero is fungible and especially when using the one-year moving average is quite stable. The variance on either side of the moving average is about 15% and that will decrease as adoption occurs. I run a small store where I sell products for Monero at stable prices for three months in a row by using the moving average as my price point.
There is no privacy-focused PayPal alternative in the US, in part because US money transfer laws and policies (e.g. Know Your Customer) run directly counter to privacy.
However, there are a couple of projects in development that might eventually lead to something less bad for privacy than PayPal is:
GNU Taler, if they ever get any exchanges and they figure out how to mitigate the high cost of wire transfers for small payments.
FedNow, if banks use it to build person-to-person payment services instead of just using it for themselves and their business customers.
Monero as the current fiat system becomes more and more untenable and people look for a solution not controlled by governments.
Cryptocurrencies are not reliably fungible, nor stable, nor widely accepted. They have their uses, but they are not suitable replacements for PayPal and not what OP asked for.
Monero is fungible and especially when using the one-year moving average is quite stable. The variance on either side of the moving average is about 15% and that will decrease as adoption occurs. I run a small store where I sell products for Monero at stable prices for three months in a row by using the moving average as my price point.
Taler looks like a cool project.
Thanks for the input