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Dado Ruvic | Reuters

If TikTok does indeed go dark on Sunday for Americans, there may be a tool for them to continue accessing the popular social app: VPNs. 

The Chinese-owned app is set to be removed from mobile app stores and the web for U.S. users on Sunday as a result of a law signed by President Joe Biden in April 2024 requiring that the app be sold to a qualified buyer before the deadline. 

Barring a last-minute sale or reprieve from the Supreme Court, the app will almost certainly vanish from the app stores for iPhones and Android phones. It won’t be removed from people’s phones, but the app could stop working. 

TikTok plans to shut its service for Americans on Sunday, meaning that even those who already have the app downloaded won’t be able to continue using it, according to reports this week from Reuters and The Information. Apple and Google didn’t comment on their plans for taking down the apps from their app stores on Sunday.

“Basically, an app or a website can check where users came from,” said Justas Palekas, a head of product at IProyal.com, a proxy service. “Based on that, then they can impose restrictions based on their location.”

Masking your physical internet access point

That may stop most users, but for the particularly driven Americans, using VPNs might allow them to continue using the app. 

VPNs and a related business-to-business technology called proxies work by tunneling a user’s internet traffic through a server in another country, making it look like they are accessing the internet from a location different than the one they are physically in. 

This works because every time a computer connects to the internet, it is identified through an IP number, which is a 12-digit number that is different for every single computer. The first six digits of the number identifies the network, which also includes information about the physical region the request came from.

In China, people have used VPNs for years to get around the country’s firewall, which blocks U.S. websites such as Google and Facebook. VPNs saw big spikes in traffic when India banned TikTok in 2020, and people often use VPNs to watch sporting events from countries where official broadcasts aren’t available. 

As of 2022, the VPN market was worth nearly $38 billion, according to the VPN Trust Initiative, a lobbying group.

“We consistently see significant spikes in VPN demand when access to online platforms is restricted, and this situation is no different,” said Lauren Hendry Parsons, privacy advocate at ExpressVPN, a VPN provider that costs $5 per month to use.

“We’re not here to endorse TikTok, but the looming U.S. ban highlights why VPNs matter— millions rely on them for secure, private, and unrestricted access to the internet,” ProtonVPN posted on social media earlier this week. ProtonVPN offers its service for $10 a month. 

The price of VPNs

Both ExpressVPN and ProtonVPN allow users to set their internet-access location. 

Most VPN services charge a monthly fee to pay for their servers and traffic, but some use a business model where they collect user data or traffic trends, such as when Meta offered a free VPN so it could keep an eye on which competitors’ apps were growing quickly.

A key tradeoff for those who use VPN is speed due to requests having to flow through a middleman computer to mask a users’ physical location. 

And although VPNs have worked in the past when governments have banned apps, that doesn’t ensure that VPNs will work if TikTok goes dark. It won’t be clear if ExpressVPN would be able to access TikTok until after the ban takes place, Parsons told CNBC in an email. It’s also possible that TikTok may be able to determine Americans who try to use VPNs to access the app.  

(L-R) Sarah Baus of Charleston, S.C., holds a sign that reads “Keep TikTok” as she and other content creators Sallye Miley of Jackson, Mississippi, and Callie Goodwin of Columbia, S.C., stand outside the U.S. Supreme Court Building as the court hears oral arguments on whether to overturn or delay a law that could lead to a ban of TikTok in the U.S., on January 10, 2025 in Washington, DC. 

Andrew Harnik | Getty Images

VPNs and proxies to evade regional restrictions have been part of the internet’s landscape for decades, but their use is increasing as governments seek to ban certain services or apps.

Apps are removed by government request all the time. Nearly 1500 apps were removed in regions due to government takedown demands in 2023, according to Apple, with over 1,000 of them in China. Most of them are fringe apps that break laws such as those against gambling, or Chinese video game rules, but increasingly, countries are banning apps for national security or economic development reasons.

Now, the U.S. is poised to ban one of the most popular apps in the country — with 115 million users, it was the second most downloaded app of 2024 across both iOS and Android, according to an estimate provided to CNBC from Sensor Tower, a market intelligence firm.

“As we witness increasing attempts to fragment and censor the internet, the role of VPNs in upholding internet freedom is becoming increasingly critical,” Parsons said.

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CNBC Daily Open: Debt worries continue to weigh on AI-related stocks

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CNBC Daily Open: Debt worries continue to weigh on AI-related stocks

Traders work on the floor at the New York Stock Exchange in New York City, U.S., Dec. 15, 2025.

Brendan McDermid | Reuters

U.S. stocks of late have been shaky as investors turn away from artificial intelligence shares, especially those related to AI infrastructure, such as Oracle, Broadcom and CoreWeave.

The worry is that those companies are running into high levels of debt to finance their multibillion-dollar deals.

Oracle, for instance, said Wednesday it would need to raise capital expenditure by an additional $15 billion for its current fiscal year and increase its lease commitments for data centers. The company is turning to debt to finance all that.

The stock lost 2.7% on Monday, while shares of CoreWeave, its fellow player in the AI data center trade dropped around 8%. Broadcom also retreated over concerns over margin compression, sliding about 5.6%.

That said, the broader market was not affected too adversely as investors continued rotating into sectors such as consumer discretionary and industrials. The S&P 500 slipped 0.16%, the Dow Jones Industrial Average ticked down just 0.09% and the Nasdaq Composite, comprising more tech firms, fell 0.59%.

The broader market performance suggests that the fears are mostly contained within the AI infrastructure space.

“It definitely requires the ROI [return on investment] to be there to keep funding this AI investment,” Matt Witheiler, head of late-stage growth at Wellington Management, told CNBC’s “Money Movers” on Monday. “From what we’ve seen so far that ROI is there.”

Witheiler said the bullish side of the story is that, “every single AI company on the planet is saying if you give me more compute I can make more revenue.”

The ready availability of clients, according to that argument, means those companies that provide the compute — Oracle and CoreWeave — just need to make sure their finances are in order.

— CNBC’s Ari Levy contributed to this report.

What you need to know today

U.S. stocks edged down Monday. All major indexes slid as AI-related stocks continued to weigh down markets. Europe’s regional Stoxx 600 climbed 0.74%. The continent’s defense stocks fell as Ukraine offered to give up on joining NATO.

Tesla testing driverless Robotaxis in Austin, Texas. “Testing is underway with no occupants in the car,” CEO Elon Musk wrote in a post on his social network X over the weekend. Shares of Tesla rose 3.6% on Monday to close at their highest this year.

U.S. collects $200 billion in tariffs. The country’s Customs and Border Protection agency said Monday that the tally comprises only new tariffs, including “reciprocal” and “fentanyl” levies, imposed by U.S. President Trump in his second term.

Ukraine-Russia peace deal is nearly complete. That’s according to U.S. officials, who held talks with Ukraine President Volodymyr Zelenskyy beginning Sunday. Ukraine has offered to give up its NATO bid, while Russia is open to Ukraine joining the EU, officials said.

[PRO] Wall Street’s favorite stocks for 2026. These S&P 500 stocks have a consensus buy rating and an upside to average price target of at least 35%, based on CNBC Pro’s screening of data from LSEG.

And finally…

Customers walk in the parking lot outside a Costco store on December 02, 2025 in Chicago, Illinois.

Scott Olson | Getty Images

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Merriam-Webster declares ‘slop’ its word of the year in nod to growth of AI

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Merriam-Webster declares 'slop' its word of the year in nod to growth of AI

The logos of Google Gemini, ChatGPT, Microsoft Copilot, Claude by Anthropic, Perplexity, and Bing apps are displayed on the screen of a smartphone in Reno, United States, on November 21, 2024.

Jaque Silva | Nurphoto | Getty Images

Merriam-Webster declared “slop” its 2025 word of the year on Monday, a sign of growing wariness around artificial intelligence.

Slop is now defined as “digital content of low quality that is produced usually in quantity by means of artificial intelligence,” according to Merriam-Webster’s dictionary. The word has previously been used primarily to connote a “product of little value” or “food waste fed to animals”

Mainstream social networks saw a flood of AI-generated content, including what 404 Media described as a “video of a bizarre creature turning into a spider, turning into a nightmare giraffe inside of a busy mall,” that the publication reported had been viewed more than 362 million times on Meta apps. 

In September, Meta launched Vibes, a separate feed for AI-generated videos. Days later, OpenAI released its Sora app. Those services, along with TikTok, YouTube and others, are increasingly rife with AI slop, which can often generate revenue with enough engagement.

Spotify said in September that it had to remove over 75 million AI-generated, “spammy tracks” from its service, and roll out formal policies to protect artists from AI impersonation and deception. The streaming company faced widespread criticism after The Velvet Sundown racked up 1 million monthly listeners on without initially making it clear they produced their songs with generative AI. The artist later clarified on its bio page that it’s a “synthetic music project.”

According to CNBC’s latest All-America Economic Survey, published Dec. 15, fewer respondents have been using AI platforms, such as ChatGPT, Microsoft Copilot and Google Gemini, in the last two to three months compared to the summer months.

Just 48% of those surveyed said they had used AI platforms recently, down from 53% in August.

WATCH: OpenAI’s Sora 2 sparks AI ‘slop’ backlash

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PayPal applies to form bank that can offer small business loans and savings accounts

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PayPal applies to form bank that can offer small business loans and savings accounts

PayPal CEO Alex Chriss speaks at the Global Fintech Fest in Mumbai, India, on Oct. 7, 2025.

Indranil Aditya | Nurphoto | Getty Images

PayPal said Monday that it has applied for approval to form PayPal Bank, which would be able to offer loans to small businesses.

“Establishing PayPal Bank will strengthen our business and improve our efficiency, enabling us to better support small business growth and economic opportunities across the U.S.,” PayPal CEO Alex Chriss said in a statement.

The U.S. Federal Deposit Insurance Corporation will review an application proposing the establishment of PayPal Bank, along with Utah’s Department of Financial Institutions, PayPal said.

The company, which owns popular payment app Venmo, hopes to also offer interest-bearing savings accounts to its customers, the statement said. PayPal already makes credit lines available to consumers and has been trying to expand its roster of banking-like services as it competes with a growing number of fintech companies that are aiming to take business from traditional brick-and-mortar banks.

Shares of PayPal rose 1.5% in extended trading following the announcement.

In October, PayPal said quarterly revenue increased 7% year over year to $8.42 billion, more than analysts had expected. But in 2025 the stock has slumped about 29%, while the S&P 500 index has gained almost 16% in the same period.

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