A confirmed address is often required by sellers who are concerned about protecting their buyers' purchases, as it signifies in PayPal that your shipping and billing addresses are identical.

If you don’t have a PayPal account, you can still spend money; however, one-time payments are limited to $4,000. Verified PayPal users can send as much money as they want up to $60,000 ...

PayPal to help you decide ... verify your phone number and email address, and add and verify your bank account. From there, you can send and request money, make purchases, and trade crypto.