PayPal USD Price History & Earnings Breakdown: Should I Buy PYUSD Now?

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Summary

This article provides a comprehensive review of the historical prices and market fluctuations of PayPal USD (PYUSD) since its inception. Combining data from various stages, it evaluates the potential returns for investors purchasing 10 PYUSD and answers the key question, “Should I buy PYUSD now?” to help both beginners and long-term investors grasp timing and growth opportunities.

Early Market Cycle: Historical Price Review (2023 to 2024)

PayPal USD, issued by Paxos Trust Company, aims to facilitate stablecoin payments and is fully backed by USD deposits, short-term U.S. Treasury bonds, and similar cash equivalents. PYUSD can be exchanged 1:1 for USD. Records show its early trading price was approximately $1.05.

Below are PYUSD’s price changes during the initial market phase:

2023

  • Opening Price: $1.05
  • Closing Price: $1.00
  • Highest Price: $1.05
  • Lowest Price: $0.9934
  • Annual Return: -4.67%

2024

  • Opening Price: $0.9953
  • Closing Price: $0.9991
  • Highest Price: $1.00
  • Lowest Price: $0.9915
  • Annual Return: 0.38%

An investor who bought 10 PYUSD in 2023 and sells today would face a potential loss of $0.492.

Recent Market Cycle: Should I Buy PYUSD Now? (2025 to 2026 so far)

Over the past two years, PYUSD has maintained a relatively stable price, with minimal fluctuations, reflecting its role as a store of value.

2025

  • Opening Price: $0.9992
  • Closing Price: $0.9995
  • Highest Price: $1.00
  • Lowest Price: $0.9978
  • Annual Return: 0.03%

2026

  • Opening Price: $1.00
  • Closing Price: $0.9998
  • Highest Price: $1.00
  • Lowest Price: $0.9994
  • Annual Return: -0.17%

Potential returns for purchasing 10 PYUSD during this period are:

  • 2025: $0.006
  • So far in 2026: -$0.017

Conclusion: Stablecoin Characteristics and Investment Evaluation

Analyzing PYUSD’s historical prices and potential returns shows that as a fully collateralized stablecoin, its price remains close to $1, with minimal volatility. This trait makes it more suitable as a payment tool and store of value rather than an asset for capital appreciation. Investors buying PYUSD should focus more on risk mitigation and liquidity management rather than expecting significant capital gains.

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