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Argent vs PayPal

Argent logo

Argent

Software

The smart wallet for DeFi and NFTs

From
Free
Rated
-
Full reviewWebsite
PayPal logo

PayPal

Software

The simpler, safer way to pay and get paid

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Only Argent has a free tier, so it costs nothing to try first.
  • Each has a real cost: Argent renamed Ready, and argent.xyz now redirects to ready.co, so the Argent name is retired; PayPal currency conversion on international purchases and sends carries a 4.00 percent fee, and 3.00 percent in other conversion scenarios
  • They diverge on capability: Argent covers Smart Contract Wallet, PayPal covers Payment processing.

Where they differ

Only the attributes on which Argent and PayPal actually diverge.

Attributes where Argent and PayPal differ
AttributeArgentPayPal
Starting priceFree$29/month
Pricing modelfreeusage-based
Free tierYesNo
PlatformsIos, AndroidWeb, Ios, Android, Api
Founded20181998

Identical on both: user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Argent

  • Smart Contract Wallet
  • Social Recovery
  • No Seed Phrase
  • Built-in DeFi
  • NFT Support
  • Ethereum
  • zkSync
  • Starknet

Only in PayPal

  • Payment processing
  • PayPal Checkout
  • Invoicing
  • Business debit card
  • Working capital loans
  • Shopify
  • WooCommerce
  • BigCommerce

Both cover

  • Ios support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Argent

  • Self-custodial wallet on mobilenot PayPal
  • Holding digital dollars under your own controlnot PayPal
  • Spending through a virtual card with Apple Pay or Google Paynot PayPal
  • Connecting to dapps through WalletConnectnot PayPal

PayPal

  • Paying online merchants without sharing card detailsnot Argent
  • Sending money to friends and family domestically and internationallynot Argent
  • Holding balances in multiple currencies for cross border purchasesnot Argent

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Argent

  • Renamed Ready, and argent.xyz now redirects to ready.co, so the Argent name is retired
  • The product has shifted toward community cards and digital dollars rather than being presented purely as a crypto wallet
  • Supported chains are no longer listed on the main site

PayPal

  • Currency conversion on international purchases and sends carries a 4.00 percent fee, and 3.00 percent in other conversion scenarios
  • Instant transfer to a bank or debit card costs 1.75 percent of the amount, with a minimum of 0.25 USD and a maximum of 25.00 USD
  • International personal transactions carry a 5.00 percent fee regardless of payment method, with a minimum of 0.99 USD and a maximum of 4.99 USD
  • Sending domestic personal payments funded by a credit card costs 2.90 percent plus a fixed fee of 0.49 USD
  • Instant transfers are capped at 25,000.00 USD per transaction

Pricing, plan by plan

Argent

Free
  • FreeFree
    • Smart wallet
    • Social recovery
    • DeFi

PayPal

$29/month
  • Standard$2.99/transaction
    • Card payments
    • PayPal checkout
    • Invoice payments

Which should you pick?

Choose Argent if

  • You need smart contract wallet.
  • You want to start without paying.
  • You work on Ios, Android.
  • You also want social recovery.
Argent review

Choose PayPal if

  • You need payment processing.
  • You work on Web, Ios, Android, Api.
  • You also want paypal checkout.
PayPal review

Questions people ask

Is Argent or PayPal better?
Neither clearly leads. Argent starts at Free and PayPal at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Argent or PayPal?
Argent has a free tier; the other does not. Paid plans start at Free for Argent and $29/month for PayPal.
Does Argent or PayPal run on more platforms?
Argent runs on Ios, Android. PayPal runs on Web, Ios, Android, Api.
Can I use Argent for free?
Yes. Argent has a free tier, so you can try it without paying. PayPal starts at $29/month.
What is Argent best used for?
Argent is most often used for self-custodial wallet on mobile, holding digital dollars under your own control, spending through a virtual card with apple pay or google pay, connecting to dapps through walletconnect. Of those, self-custodial wallet on mobile and holding digital dollars under your own control are not what PayPal is typically brought in for.
What can Argent do that PayPal cannot?
Argent covers Smart Contract Wallet, Social Recovery, No Seed Phrase, Built-in DeFi. PayPal covers Payment processing, PayPal Checkout, Invoicing, Business debit card. Both handle Ios support, Android support.
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