Maybe I missed something. How is PayPal a monopoly? They aren't the only payment processor around. Also, I think one of the features of PayPal is they try to fulfill the role of an escrow account for transactions. They can only do that by holding funds long enough to allow for disputes. By using cryptocurrency alone; that feature is lost. Anyway, I don't know if this would help you at all, but I just read this blog post for another company that is a money transmitter. see: https://uphold.com/en/blog/posts/uphold/payzing-integrates-with-uphold-to-help-online-merchants-and-ecommerce-platforms-reap-benefits-of-cloud-money