Price change (24h):
0.02%
High (24h):
$1.001
Low (24h):
$0.9989
Volume (24h):
$154.06M
Market Cap:
$2.85B
All Time High:
7.49% $1.08
Apr 2, 2026
All Time Low:
4% $0.96
Dec 5, 2024
PayPal USD
PYUSD0.00 %(1Y)
$0.999861
About PayPal USD
PayPal USD (PYUSD) is a cryptocurrency launched in 2023. It is a U.S. dollar-pegged stablecoin issued by Paxos Trust Company, maintaining a 1:1 redeemability for fiat dollars.
The token serves as a digital dollar for on-chain payments, enabling settlement without the volatility inherent to unpegged crypto assets. PayPal USD integrates natively with the PayPal ecosystem, letting the platform’s vast user base transact in a blockchain-based dollar equivalent. Each token is backed by observable reserves, offering a bridge between traditional financial ledgers and decentralized infrastructure.
PayPal USD operates on the Ethereum network. Its core issuance logic resides within an Ethereum smart contract, which controls minting and burning based on fiat reserve audits. Validators and full nodes on Ethereum collectively enforce the contract state, ensuring no unauthorized token creation.
The token conforms to the ERC-20 standard on Ethereum and Arbitrum One, while its Solana deployment uses the SPL token framework and the Stellar deployment leverages native Stellar asset capabilities. Such multichain architecture allows PYUSD to move across ecosystems without wrapped representations, as Paxos issues the asset natively on each chain. Transaction finality, block times, and fee structures vary with each host network but do not alter the underlying collateralization.
The project originated from a partnership between PayPal and Paxos, with the initial launch date set at August 7, 2023. Paxos, a regulated trust company chartered under New York banking law, acts as the official issuer and reserve custodian. The entry represented PayPal’s first proprietary stablecoin, following years of enabling crypto buying and selling on its platform.
PayPal USD’s long-term mission is to rewire digital payments by making a trusted dollar format available as a native internet asset. It aims to compress settlement windows from days to seconds and to extend the reach of dollar-denominated commerce into permissionless protocols. Because it operates on public ledgers, the token invites programmability—smart contracts can automate disbursements, escrow, and revenue sharing without third-party intermediaries.
Mechanically, PYUSD is a custodial stablecoin wherein Paxos mints exactly one token for each dollar received and burns exactly one token for each dollar withdrawn. The Ethereum smart contract prevents any issuance not matched by a corresponding fiat deposit, enforced through off-chain attestation reports. When a user transfers PYUSD on-chain, the token operates like any other ERC-20, but the underlying dollar remains within Paxos’s accounts at U.S. banks.
Commerce platforms can integrate PYUSD to settle customer payments in near-real time, eliminating credit card processing delays and chargeback disputes. Remittance corridors use the token to move dollar value cross-border without the layered fees of correspondent banking. DeFi lending markets accept PYUSD as collateral, enabling users to borrow other assets while maintaining exposure to a stable instrument.
PayPal USD has a total supply of 3,454,023,698.87 tokens. Currently, 3,454,023,698.87 tokens circulate. With a market capitalization of $3,453,216,461, PayPal USD ranks #32 among all cryptocurrencies.
PayPal USD Historical Price Data
| Date | Open | Close | High | Low |
|---|---|---|---|---|
| 08/06/2026 | $1.00 | $1.00 | $1.00 | $1.00 |
| 07/06/2026 | $1.00 | $1.00 | $1.00 | $1.00 |
| 06/06/2026 | $1.00 | $1.00 | $1.00 | $1.00 |
| 05/06/2026 | $1.00 | $1.00 | $1.00 | $1.00 |
| 04/06/2026 | $1.00 | $1.00 | $1.00 | $1.00 |
| 03/06/2026 | $1.00 | $1.00 | $1.00 | $1.00 |
| 02/06/2026 | $1.00 | $1.00 | $1.00 | $1.00 |
| 01/06/2026 | $1.00 | $1.00 | $1.00 | $1.00 |
What if AI portfolio could automatically outperform your PayPal USD's manual trading?
Watching PYUSD's price won't make you money. Trading it will — but only if you do it right. Stoic AI is an automated trading bot that manages your exchange account like an S&P 500 index fund — but for crypto.
Stoic AI has been trading PayPal USD automatically since 2020, consistently outperforming simple holding by 15-40%. While you were checking the price, our AI makes 127 profitable trades every month.
Let AI Trade PayPal USD For You
Stoic AI is a fully automated crypto trading bot that connects to your exchange account via API keys and trades your funds using an algorithmic strategy.
It automatically buys and rebalances top-performing assets from the crypto market, helping you outperform typical PayPal USD’s “buy & hold” results
Key points:
Funds stay on your exchange account — Stoic can’t withdraw them
Proven algorithm live since 2020
Up to +121% annual performance in top years
Built by Cindicator — 9 years of quantitative R&D and $9M invested in AI research
Why is manual trading PayPal USD a bad idea?
Manual pyusd trading
- Miss perfect entry/exit
- Emotional decisions
- Huge time to monitor
Stoic AI
-
AI trades 24/7 automatically Catch every opportunity
-
Zero-emotion algorithm Disciplined strategy
-
Passive income Set & forget automation
20,000+
traders trusted Stoic AI
$200M+
in cumulative assets under management since inception
2015
year of company foundation
Popular Cryptocurrencies
| # | Coin | Price | 24h Change | Market Cap | Volume |
|---|---|---|---|---|---|
| 1 |
Bitcoin
BTC
|
$62960.00 | 0.20% | $1.26T | $35.83B |
| 2 |
Ethereum
ETH
|
$1677.52 | 0.92% | $202B | $16.30B |
| 3 |
Tether
USDT
|
$1.00 | 0.01% | $187B | $58.67B |
| 4 |
XRP
XRP
|
$1.17 | 2.69% | $72.52B | $2.19B |
| 5 |
BNB
BNB
|
$602.97 | 1.51% | $81.27B | $750M |
| 6 |
USDC
USDC
|
$1.00 | 0.00% | $75.99B | $14.58B |
| 7 |
Solana
SOL
|
$66.70 | 1.70% | $38.64B | $3.36B |
| 8 |
TRON
TRX
|
$0.32 | 0.74% | $30.67B | $491M |
| 9 |
Figure Heloc
FIGR_HELOC
|
$1.03 | 2.19% | $19.06B | $18.99M |
| 10 |
Dogecoin
DOGE
|
$0.09 | 1.02% | $13.29B | $687M |
Start Trading PayPal USD with AI in 3 Steps
1
Connect Exchange
API key setup (2 minutes)
2
Choose Strategy
Select algorithm
3
AI Trades For You
24/7 automation
- Automated 24/7 trading
- No manual trading required
- Setup in 2 minutes
- Outperforms holding Bitcoin by 15%+
- Your funds stay on your exchange
Explore Our other products for PayPal USD
Stoic AI Crypto Index
Stoic AI Crypto Index gives you diversified crypto exposure in one portfolio. Perfect for investors who want growth across multiple tokens without the hassle — fully rebalanced and managed for you
Meta
For investors seeking balanced risk and reward. Meta uses advanced trading algorithms to stay profitable in any market by taking both long and short positions
BTC Yield
For investors seeking to earn more from their BTC. An automated strategy that trades around the clock using long and short positions while your Bitcoin stays in your account
FAQ
-
PayPal USD (PYUSD) is a cryptocurrency that can be bought, sold, and traded on major exchanges. Its price changes in real time based on supply, demand, and broader market conditions. You can track the live PYUSD price, market cap, and 24-hour trading volume at the top of this page.
-
The current price of PayPal USD (PYUSD) is $0.999861. Over the last 24 hours, it has moved 0.02%. Crypto prices update continuously, so short-term changes can happen quickly.
-
You can buy PayPal USD on major exchanges like Binance, Coinbase, or KuCoin. However, simply buying and holding can be risky due to market volatility.
The smartest way to manage your PYUSD investment is to connect your exchange account to Stoic AI. This allows you to keep funds on your preferred exchange while our institutional-grade algorithm automates the trading strategy for you, aiming to outperform manual trading. -
Stablecoins (like PYUSD) are designed to maintain a stable value, usually pegged to a fiat currency like the US dollar. While their price typically stays close to the peg, they can occasionally depeg due to market stress, liquidity issues, or concerns about reserve backing.
Many traders use stablecoins as a safe haven during crypto market volatility or as a convenient way to move funds between exchanges. -
We can’t provide investment advice. Whether PayPal USD is a good investment depends on your risk tolerance, time horizon, and strategy. Crypto markets are highly volatile and past performance doesn't guarantee future results. Many investors reduce risk by diversifying across multiple assets and using automated strategies that remove emotional decision-making. Always do your own research before investing.
-
Common approaches include buy & hold, discretionary trading based on technical analysis, or automated strategies. Manual trading can be difficult due to fees, timing, and emotional decisions. Stoic AI offers an out-of-the-box automated approach: connect your exchange via trade-only API permissions, choose a strategy, and the system manages portfolio rebalancing 24/7.
-
Stoic AI uses hedge fund-grade quantitative strategies developed by Cindicator, a fintech company with 9+ years of experience and $230M+ in assets under management. The algorithm analyzes price data, volatility, and correlations to build and rebalance a diversified portfolio. PYUSD can be included based on real-time market conditions. Over 18,000 customers already use Stoic AI to automate their crypto portfolios.
-
With Stoic AI, your funds stay on your exchange (Binance, Coinbase, KuCoin, etc.) at all times. Stoic connects via read-and-trade-only API keys - it cannot withdraw your funds. The platform uses institutional-grade risk management and has been live-tested through multiple market cycles since 2020, including the 2022 crypto winter. You maintain full control and can disconnect at any time.
-
You can start with as little as $500. There are no lock-ups and no hidden fees. You can try it now and withdraw your funds at any time. Create a Stoic account, connect your exchange using an API key with trading‑only permissions, choose a strategy, and start automated trading. You can stop anytime by revoking the API key on your exchange. Since the funds stay in your exchange wallet, you remain in control of deposits and withdrawals.
Disclaimer:
This website is operated by Cindicator Ltd. (“Cindicator”), a Gibraltar private company. You are solely responsible for compliance with all laws that may apply to you and your use of Cindicator products. Cryptocurrencies and blockchain technologies have been the subject of scrutiny by regulatory bodies worldwide. With respect to your use of Cindicator products, Cindicator makes no representations regarding the applicability or compliance of its products with any laws or regulations, including, without limitation, those related to trading, options, derivatives, or securities. You also assume all legal, economic, and other risks related to your use of Cindicator products, including legal uncertainty, market volatility, and information security risks, among others. Trading in cryptocurrencies and digital assets is highly speculative, and the value of investments can fluctuate dramatically. You may lose a substantial portion or even all of your invested capital, and such trading may not be suitable for everyone. If you are unsure about these risks or your ability to bear potential losses, you should consult with an independent financial advisor before using Cindicator products. Depending on your jurisdiction, access to or use of Cindicator products may be subject to certain legal restrictions or prohibitions. You agree that it is solely your responsibility to determine and comply with any laws and regulations applicable to your use of Cindicator products, and that Cindicator is not responsible for informing you of such requirements.
Cindicator reserves the right to restrict or refuse access to its products for citizens or residents of certain jurisdictions, including those subject to international sanctions or other legal restrictions. All materials provided on this website (including any graphical materials regarding trading strategy performance or P&L) are presented solely for marketing and informational purposes. They do not guarantee any future profits and should not be construed as financial, investment, legal, or other professional advice. Cindicator is not a registered broker-dealer, investment adviser, or regulated financial institution, and the information and services provided do not constitute personal investment advice or a recommendation or offer to buy or sell any securities, cryptocurrencies, or other financial instruments. The information provided herein is summary in nature, does not purport to be complete, and is provided “as is” without any warranty as to its accuracy or completeness. All content may be updated or changed at any time without notice. Past performance is not indicative of future results. To the maximum extent permitted by law, Cindicator (including its directors, officers, and affiliates) shall not be liable for any loss or damage (direct, indirect, special, consequential, or incidental) arising from your use of Cindicator products, this website, or any information contained herein. Please read our Terms of Use for further details. If you do not agree with these terms, please close this site.