Monetized creators receive their YouTube earnings through AdSense via several payment methods depending on where a person lives. Crypto entered the picture not so long ago, and it's still unclear how to apply it to receive payments. There are several ways to do so, but are they reliable in the long run? Well, we're about to find out.
In this article, we'll explain how those methods work, where the real constraints are, and what to check before moving any money.
Can YouTube Pay Creators in Cryptocurrency?
The answer to the most topical question is both yes and no. Back in 2025, PYUSD was added as a payout option for US creators, and it runs through PayPal's payout infrastructure. Fortune reported that Google and YouTube confirmed PYUSD was added for eligible creators. The territorial restriction remains up to date.
Google's AdSense help describes AdSense for YouTube payments being issued and made available through PayPal Hyperwallet. The PYUSD payout can be summarized as three steps: YouTube issues the earnings, the money becomes available through Hyperwallet, and the creator chooses a cash-out method. So if you're located not in the US and you see clearly that crypto is not listed as available for you, you need to see another route.
You also need to keep in mind that YouTube calculates and issues creator earnings through AdSense. The payment provider determines how one can access or withdraw money. This is the reason why sometimes crypto withdrawals can exist even when they're not listed there.
Three Ways to Receive YouTube Earnings in Crypto
In order to choose the best option, explore those three legitimate ways. Though, even among them, not every option is truly available, if you live not in the US.
1. PYUSD Through PayPal
PYUSD is the stablecoin of PayPal. It is pegged to the dollar and does not see the kind of price movement one would from Bitcoin, for example. A creator that has opted in will be paid out in PYUSD via PayPal and can leave the balance with PayPal, put it into fiat, or send it to an external address.
The company's help center explains how transfers of supported crypto like PYUSD are made to external addresses, with network support indicated in the transfer flow on PayPal.
But there are some practical limitations.
- Availability: the product was put out for US creators who are eligible. Don't expect that a PayPal account in another country will give access to it.
- Custody: so long as the funds have not been moved, they are held by a payments provider and are subject to its terms.
- Asset choice: aside from PYUSD, what you can hold or send is down to the list of assets PayPal supports. It is best to check that before making plans to deal in BTC or USDT.
2. Receiving Fiat and Converting It Yourself
With the next option, one can make a bank transfer or e-wallet payment and then forward the funds to a crypto exchange, where they can then buy the desired asset. This is available in any jurisdiction where an appropriate bank account and exchange are available, and it leaves you with the freedom to select what you want.
There are additional steps involved, however, and they come at a price. The payment provider might bill withdrawal or conversion fees; your bank can impose charges or set its own rate on the exchange; the exchange may want to verify your identity and put trading fees or spreads on top of that.
Should you wish to keep the assets in a personal wallet, a further transfer is what you also have to do. When going down this path, it is wise to look at the cost of the entire chain of steps.
3. Withdrawing Through MC Pay
Mediacube has designed MC Pay as a financial app for its YouTube and Facebook creators. With the Omniwithdrawals feature, income can be taken out to most countries and 80+ currencies via cards, bank accounts, PayPal, e-wallets, or crypto. The company points out it is not a financial institution in its own right, with the app's services being supplied by certified partners such as CoinsPaid and others.
For those using crypto, MC Pay has its own wallets. There is no cost to open or keep one running. They support Bitcoin (BTC), Binance Coin (BNB), Ethereum (ETH), and USDT.
The process is as follows:
- Open the wallets. In the Balance section, head to the Crypto Wallets tab, check the License Agreement, and then click Open crypto wallets.
- Put earnings in. Select Withdraw from your balance, and then MC Pay crypto wallets, pick the currency, and type in the amount. There is no charge for funding from your internal MC Pay account or from outside sources, by the way.
- Make an exchange if required. It can be done at no cost between MC Pay crypto wallets, with no fees on operations. That way, one can move assets within the portfolio, say from a volatile coin over to a stablecoin.
- A withdrawal to your own wallet. MC Pay will apply a 1% fee on any funds taken from its crypto wallets to another. The service handles these right away; confirmation time after that is a matter of the blockchain network.
There are two limits to be aware of! The daily limit on withdrawals is $50,000. For a single transaction of $20,000 or more in equivalent value, you will have to put your manager on notice three days in advance and expect some added time for processing. As for your portfolio total, it is displayed in USD and put through a recalculation every 15 minutes; a page refresh is needed for the latest number.
Crypto is not the app's only offering. It has Early Payouts (YouTube revenue up to 10 days sooner at low cost), Advances (an advance on income as much as three months out), and Expresses for an instant withdrawal. Each is a service unto itself with its own terms and costs, so look into them first. Security is handled by way of 2FA, biometrics, KYC, and monitoring, while offering the 24/7 support.
Besides all that, crypto is one of several ways to withdraw. From the same balance, a creator can put some of their earnings into crypto and use cards, e-wallets, or a bank transfer for the rest.
Let's sum it up in one comprehensive table.
| Factor / Option | PYUSD via PayPal | Fiat, exchange | MC Pay crypto wallets |
|---|---|---|---|
| Availability | Eligible US creators | Depends on bank and exchange options | Available for the most countries |
| Assets | PYUSD (other assets depend on PayPal's list available for your country) | Depends on the exchange | BTC, BNB, ETH, USDT |
| Fees | Current info on their fees is given here | Provider, bank, and exchange fees can stack | Free wallets and internal exchange; 1% on withdrawal to external wallets |
| Moving to your own wallet | Available for supported crypto | Separate withdrawal from the exchange | Built into the flow |
PYUSD is a simple option for a US-based creator looking for a dollar-pegged stablecoin. As for the fiat alternative, it is for anyone with a bank account and an exchange they are at ease with and ready for issues that can arise. Those who are not in the US or wish to have BTC, ETH, or USDT and other means of withdrawal under one roof will be better off with MC Pay.
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Grow with MediacubeRisks and Limitations
What to keep in mind, though, is not limited to only knowing the available options. There are possible limitations influencing your choice.
Price volatility. The value of BTC, ETH, and BNB is subject to rapid change. If you get one of these and the price drops prior to your selling or spending it, what you have earned will be less when put into fiat.
Stablecoin risk. While USDT and PYUSD are meant to follow the dollar, a peg is a design objective. One must take into account the issuer, reserves, and any regulatory issues.
Stacked fees. A crypto payout may come with a provider fee as well as charges for the blockchain network and for conversion. With MC Pay, the withdrawal is 1%, so look at the final figure before proceeding.
Incorrect network or address. Once a crypto transfer is confirmed, it cannot be returned. MC Pay has USDT on several distinct networks, so don't send money to a wallet that will not accept the chosen network, for this could be a permanent loss. Verify the receiving wallet's support for the token in addition to the address and network before you confirm. In the case of a first-time send to a new wallet, you can use a small test sum.
Provider terms. Your money with PayPal or MC Pay is governed by their terms on limits and availability. To have complete control of your funds, put them in a wallet of your own.
Taxes. Crypto income is no exception to tax liability. Depending on the country, there are different regulations, and any exchange may carry its own tax consequences. Keep records of the fees, exchange rates, assets, amounts, and date of payout.
Choosing Your Setup
We hope that piece of information was useful even for those who mostly earn beyond Ads.
YouTube's crypto payouts are not confined to the old manual bank-to-exchange process. US creators who qualify may use the option of PYUSD via PayPal. For those in other countries, MC Pay is the means to put earnings into BTC, ETH, BNB, or USDT wallets and do cost-free exchanges between them before withdrawing to one's own wallet.
Before committing to a course of action, it is best to verify what is on offer in your country as far as supported networks and costs go, and to consider your tax situation. If you wish to have YouTube income under control and pick from a preferable method in one place, have a look at MC Pay.
