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USDC USDC

crypto

Price History

$0.996$1.01$1.02$1.03
2018-10 · DCA start$0.996

Time underwater

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

-2.8%-1.9%-0.9%0.0%
2018-102026-08 · -2.8%

Worst drawdown: −3%, peaking Jan 2020 and bottoming Mar 2022 — still unrecovered after 79 months.

DCA Backtest

Invested
$9,500
Value today
$9,486
Return
-0.2%
Months invested
95

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $10,968 today, so the real (inflation-adjusted) return is -13.5%.

Lump sum instead — $9,500 all at once in Oct 2018: $9,533 (+0.3%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Jan 2020): $7,994 on $8,000 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
2018
2019
2020
2021
2022
2023
2024
2025
2026
Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 2018-10: -0.2%

About USDC

USDC is a fully collateralized US dollar stablecoin. USDC is the bridge between dollars and trading on cryptocurrency exchanges. The technology behind CENTRE makes it possible to exchange value between people, businesses and financial institutions just like email between mail services and texts between SMS providers. We believe by removing artificial economic borders, we can create a more inclusive global economy. (CoinGecko)

It's a cryptocurrency categorised under stablecoins, with a market cap of about $73.4B.

It rates Low Risk at 1.2/5, meaning the rated factors look benign — steady pricing, deep liquidity, and no obvious structural red flags.

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(1.2/5)73% rated

How these ratings work

Market / Volatility1.0/5 · weight 30%
  • Annualised volatility (3yr)1/50.06
  • Max drawdown from ATH1/52.8
  • Beta vs BTC1/50.00
Liquidity1.3/5 · weight 10%
  • 24h volume / market cap1/511.3
  • Top exchange % of volume2/529.5
  • Significant listings1/538.0
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 BTC1/50.03

Linked Assets

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