PayPal USD 历史价格与收益解析:我现在应该购买 PYUSD 吗?

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Summary

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

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

PayPal USD is a stablecoin issued by Paxos Trust Company, designed to contribute to stablecoin payment opportunities. The asset is backed 100% by USD deposits, short-term U.S. Treasury bonds, and similar cash equivalents, redeemable at a 1:1 ratio for USD. Its early trading price was approximately $1.05.

Below are the price changes during the early stage of PayPal USD:

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 PayPal USD in 2023 and sold at the end of 2024 would see a potential loss of $0.494.

Market Consolidation Stage: Return Analysis (2024 to 2025)

During this period, PayPal USD’s price remained relatively stable with minimal volatility, reflecting the core characteristics of a stablecoin.

Potential returns for an investor purchasing 10 PayPal USD during this stage are:

  • 2024: $0.043
  • 2025: $0.004

Recent Market Cycle: Should I buy PayPal USD now? (2025 to 2026 so far)

In the past two years, PayPal USD has continued to maintain its stablecoin characteristics, with prices consistently fluctuating around $1.0 and a volatility within 0.06%.

2025

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

2026 (so far)

  • Opening Price: $1.00
  • Closing Price: $0.9996
  • Highest Price: $1.00
  • Lowest Price: $0.9994
  • Annual Return: -0.19%

Potential returns for an investor buying 10 PayPal USD during this period are:

  • 2025: $0.004
  • 2026 so far: -$0.019

Conclusion: Stability and Investment Characteristics Analysis

By analyzing the historical prices and potential returns of PayPal USD, we see that the asset’s core features as a stablecoin—extremely low volatility and price stability—are evident. Unlike traditional cryptocurrencies, the value of PayPal USD primarily lies in its role as a payment tool and a store of value, rather than capital appreciation potential. Investors should consider purchasing PayPal USD based on the need for stable payment channels rather than seeking high returns.

PYUSD0.01%
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