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Dai DAI

crypto

Price History

$0.992$1$1.02$1.03
2019-11 · DCA start$1.01

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

-2.8%-1.8%-0.9%0.0%
2019-112026-08 · -2.7%

Worst drawdown: −3%, peaking Jul 2020 and bottoming Dec 2021 — still unrecovered after 73 months.

DCA Backtest

Invested
$8,200
Value today
$8,190
Return
-0.1%
Months invested
82

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $9,268 today, so the real (inflation-adjusted) return is -11.6%.

Lump sum instead — $8,200 all at once in Nov 2019: $8,156 (-0.5%) — DCA came out ahead.

Worst timing — same monthly amount started at the all-time high (Jul 2020): $7,391 on $7,400 invested (-0.1%).

Backtests use monthly closing prices. Stock dividends aren’t reinvested, so long-run equity returns are understated.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

JFMAMJJASOND
2019
2020
2021
2022
2023
2024
2025
2026
Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 2019-11: -0.1%

About Dai

MakerDAO has launched Multi-collateral DAI (MCD). This token refers to the new DAI that is collaterized by multiple assets. (CoinGecko)

It's a cryptocurrency categorised under stablecoins, with a market cap of about $4.6B.

It rates Low Risk at 1.7/5, meaning the rated factors look benign — steady pricing, deep liquidity, and no obvious structural red flags.

What pushes the score up: liquidity (3.7/5) and custody / bridge (3.0/5).

Scoring well: systemic / correlation at 1.0/5.

Not yet researched: supply & concentration. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Low Risk(1.7/5)85% rated

How these ratings work

Market / Volatility1.0/5 · weight 30%
  • Annualised volatility (3yr)1/50.12
  • Max drawdown from ATH1/52.8
  • Beta vs BTC1/5-0.00
Liquidity3.7/5 · weight 10%
  • 24h volume / market cap3/53.5
  • Top exchange % of volume5/590.0
  • Significant listings3/55.0
Supply & Concentrationunrated · weight 15%
  • Top 10 wallets % of supplynot yet researched
  • Unlocks in next 6mo, % of supplynot yet researched
  • Annual supply growth %not yet researched
Smart Contract / Technical2.0/5 · weight 12%
  • Audit status2/5audited recognized older
  • Admin key / upgradeabilitynot yet researched
  • Share of its mining algorithm (PoW)not yet researched
Custody / Bridge3.0/5 · weight 10%
  • Bridge reliance3/5collateralized mixed centralized
Governance / Team1.0/5 · weight 10%
  • Team1/5doxxed track record
  • Largest staking operator, % of stakenot yet researched
Regulatory1.0/5 · weight 10%
  • Regulatory profile1/5organic no history
Systemic / Correlation1.0/5 · weight 3%
  • Correlation to BTC1/5-0.02

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.