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PayPal USD PYUSD

crypto

Price History

$0.997$0.999$1$1
2023-08 · DCA start$1

Time underwater

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

-0.6%-0.4%-0.2%0.0%
2023-082026-08 · -0.3%

Worst drawdown: −1%, peaking Aug 2023 and bottoming Jun 2024 — still unrecovered after 36 months.

DCA Backtest

Invested
$3,700
Value today
$3,701
Return
+0.0%
Months invested
37

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $3,858 today, so the real (inflation-adjusted) return is -4.1%.

Lump sum instead — $3,700 all at once in Aug 2023: $3,688 (-0.3%) — DCA came out ahead.

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
2023
2024
2025
2026
Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 2023-08: +0.0%

About PayPal USD

PayPal USD is designed to contribute to the opportunity stablecoins offer for payments and is 100% backed by U.S. dollar deposits, short-term U.S Treasuries and similar cash equivalents. PayPal USD is redeemable 1:1 for U.S. dollars and is issued by Paxos Trust Company. (CoinGecko)

It's a cryptocurrency categorised under stablecoins, with a market cap of about $2.9B.

It rates Low Risk at 1.5/5, meaning the rated factors look benign — steady pricing, deep liquidity, and no obvious structural red flags.

What pushes the score up: liquidity (3.3/5).

Scoring well: systemic / correlation at 1.0/5.

Not yet researched: supply & concentration, smart contract / technical. 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(1.5/5)73% rated

How these ratings work

Market / Volatility1.0/5 · weight 30%
  • Annualised volatility (3yr)1/50.36
  • Max drawdown from ATH1/50.56
  • Beta vs BTC1/50.00
Liquidity3.3/5 · weight 10%
  • 24h volume / market cap2/57.3
  • Top exchange % of volume5/579.1
  • Significant listings3/57.0
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 / Technicalunrated · weight 12%
  • Audit statusnot yet researched
  • Admin key / upgradeabilitynot yet researched
  • Share of its mining algorithm (PoW)not yet researched
Custody / Bridge2.0/5 · weight 10%
  • Bridge reliance2/5centralized issuer regulated
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 BTC1/50.16

Linked Assets

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