Market Cap

$2.65T

1.46%

24h Vol.

$65.60B

Dom.

58.22%

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ETH Gas

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Avarage

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PayPal USD PYUSD Social Audit & Trust Score

Name: PayPal USD (PYUSD)
Brand: PayPal USD
Rating: 37.6 (8 reviews)

$0.9998 0.01%

Low All Time High

$0.9594 4% 7.50% $1.08

Overview

PYUSD, PayPal's USD-backed stablecoin, maintains a 1:1 peg to the U.S. dollar, is fully regulated by Paxos for transparency and stability. More

OG Score 37.60

Reviews 8

Market cap $3.46B

Market cap Rank #32

Market Data & Token Stats

Fully Diluted Valuation	$3.46B
24H Trading Volume	$56.72M
24H Low / High	$0.9993 / $1.00
Circulating Supply	3.46B
Total Supply	3.46B
Max Supply	∞

Market Health Signals

Vol / MC Ratio	1.64% Low

Key Project Information

Categories	Stablecoins 9 more
Founder	Paxos
Website	paypal.com Whitepaper
Socials
Chains	Ethereum Ecosystem 3 more
Explorer	Arbiscan 8 more
Contracts	0x6c3....3a0e8 3 more

PYUSD/USD Live Price Chart

24h 7d 1m All

$PYUSD Community Sentiment

OGAudit Security Evaluation & Social Audit Metrics

OG Score

Only Verified Crypto OGs Can Rate

OG Score Rank #253/1357

Reviews 8

Gem Score N/A

OGAudit Coin Evaluation Metrics

Innovation 43 .06

Security 39 .14

Community 37 .23

Tokenomics 35 .29

Team 33 .57

Roadmap 36 .41

How is this score calculated? [Coin Rating Methodology]

PayPal USD (pyusd) Expert User Reviews

Is PayPal USD safe or a scam? Read verified Crypto OG reviews about PayPal USD

Only Verified Crypto OGs Can Publish Reviews

Saif8844 15 May 2026 - 08:09 0x63c...fefda

OG Score 31.88

PyUsd has advantage of most regulated Stable coin So there are no concern of getting banned By SEC, but PayPal isn't available global some region doesn't support PayPal transaction methods so PyUsd has limited approach in these regions, but even it's not available in some regions it has expanded reach to 70 global markets which is a strong move. Paypal has 400m global users and it has integrated PyUsd in its native app, so PyUsd allowed user to buy and pay bills in stable coin instead of a fiat cash that means there is no need for user to learn about using stable coin as transaction as it's simple as paying In PayPal app. But biggest Con it had is complete centralization user asset can be frozen and restricted also all asset in wallet can be seized by government or law, so user has no decentralized control, Even PayPal is wide used transaction app the stable coin trading volume is low compared to it's availability on ERC chain, with $3b market cap the volume significantly seems very small which is also mich lower than other stable coin Giants As USD and USDC. ERC daily volume: https://dexscreener.com/ethereum/0xc30C8b862f7DE6bA5d7Eaeb113c78EC6B5dED04b The gas fee are Zero if user sent Money internally but if transaction is external the gas fee is standard as ETH fees, gas fee also can reach to $20 if network has congestion, so a micro transaction can cost more gas fee than the total money user sent which makes small amount transactions more costly but Solana integration solved that problem if user want to send external transaction it can be done on Solana which has much less has fees.

PYUSD $0.9999 Gem Score: N/A

praiz 18 Mar 2026 - 21:28 0x6e8...58f42

OG Score 31.33

PYUSD is not a speculative asset; it is a utility tool. While it is the safest on-ramp in crypto, it faces a unique set of corporate-level headwinds: PayPal Corporate Turbulence: On March 12, 2026, a class-action lawsuit was filed against PayPal’s CEO and CFO regarding executive liability. While this doesn't affect the 1:1 backing of the stablecoin which is held by Paxos, it creates a reputational shadow that could slow institutional partnerships. https://www.prnewswire.com/news-releases/suewallst-pypl-ceo-and-cfo-face-personal-liability-in-securities-action-302711774.html The Off-Ramp Bottleneck: While sending PYUSD is instant, converting it to local fiat in some of the 70 new markets still relies on traditional banking rails, which can take 1–3 days. Centralization: As a regulated asset, PayPal/Paxos has the Freeze and Seize capability. If your account is flagged for any reason, your funds can be locked, a direct contrast to the permissionless nature of USDC or USDT. https://atomicwallet.io/academy/articles/what-is-paypal-usd#:~:text=PYUSD%20has%20standard%20compliance%20functionality,compliance%2C%20or%20court%20orders).

PYUSD $0.9997 Gem Score: N/A

BUB RugHunter 14 Mar 2026 - 14:30 0xdb3...56b40

OG Score 33.90

Traders see PayPal USD ($PYUSD) and assume it’s the safest stablecoin for self-custody. It’s a dangerous illusion. Built by Paxos CEO Charles Cascarilla and PayPal CEO Alex Chriss https://atomicwallet.io/academy/articles/what-is-paypal-usd?hl=en-US the off-chain fiat backing is completely secure. The fatal flaw is the smart contract. It contains a hard-coded "AssetProtectionRole" giving Paxos the unilateral power to freeze your wallet and wipe your balance. You don't hold permissionless crypto; you hold a surveilled corporate database entry. Additionally, while the total market cap is massive, on-chain DEX liquidity is fragmented. If a crisis hits, selling on-chain triggers brutal slippage wicks, perfectly explaining the $0.9594 ATL.

PYUSD $1.00 Gem Score: N/A

JawadWeb3 3 Jan 2026 - 07:42 0xFd6...A6fc2

OG Score 37.85

PayPal USD is simple and stable for payment, but it's fully centralized. Users must trust PayPal, and it can be frozen or controlled if regulation require. It's practical but not a high profit or fully independent coin.

PYUSD $1.00 Gem Score: N/A

vindicatethis 16 Jul 2025 - 11:01 0x0f6...ec1bd

OG Score 39.97

PayPal’s foray into stablecoins is a move to bring crypto to the mainstream

PYUSD $0.9996 Gem Score: N/A

HumbleApe 28 Feb 2025 - 10:21 0x89d...57dc0

OG Score 43.77

I've seen PayPal USD as a bridge between traditional finance and crypto, making it easier for people new to the space to engage with digital currencies.

PYUSD $1.00 Gem Score: N/A

CryptoGeek 7 Feb 2025 - 13:14 0x015...c7f8e

OG Score 38.08

PayPal's stablecoin aims to bridge traditional finance with crypto. I think that its success will depend on how well PayPal can integrate it into daily transactions.

PYUSD $1.00 Gem Score: N/A

Adaphermor 28 Jan 2025 - 12:03 0x949...62c43

OG Score 44.00

Paypal USD's centralized nature and reliance on PayPal's reputation introduce different risks compared to decentralized stablecoins.

PYUSD $1.00 Gem Score: N/A

$pyusd Markets

Name	Pair	OG Score

About PayPal USD

PayPal has entered the cryptocurrency arena with the launch of its own stablecoin, PayPal USD (PYUSD). Introduced on August 7, 2023, PYUSD is a USD-backed stablecoin built on the Ethereum blockchain, designed to provide users with a stable and reliable digital asset pegged at a 1:1 ratio to the US dollar.
Stability and Regulation
PYUSD's stability is ensured by its full backing with US dollar deposits, short-term US treasuries and cash equivalents. This meticulous approach guarantees that 1 PYUSD is always equivalent to 1 US dollar, making it an attractive option for users seeking a stable digital asset in the volatile world of cryptocurrencies.
Regulatory oversight is a key aspect of PYUSD's design. Issued and managed by Paxos Trust Company, a regulated financial institution, PYUSD and its reserves are subject to strict supervision by the New York State Department of Financial Services. This regulatory scrutiny ensures compliance, transparency and customer protection. The reserves, comprising US dollar deposits, US treasuries and cash equivalents, are available for 1:1 redemption with Paxos, safeguarding customer funds.
Practical Use and Interoperability
PYUSD is not just a stablecoin; it's a versatile digital currency that users can employ for various digital transactions. From person-to-person payments to funding purchases at online checkouts, PYUSD facilitates seamless and efficient money movement. Users can also transfer PYUSD between PayPal and other external wallets.
One notable feature of PYUSD is its interoperability. As an Ethereum-based ERC-20 token, it can be transferred within the PayPal ecosystem and to compatible external crypto wallets. This broadens its usability and accessibility, allowing users to leverage the stability of PYUSD across different platforms.
PayPal's Vision and Integration
PayPal's journey into the cryptocurrency space began in 2020 when it allowed US users to buy, hold and sell cryptocurrencies on its platform. The introduction of PYUSD marks a significant expansion of PayPal's commitment to digital currencies. The company aims to use PYUSD to streamline global payments through its extensive merchant network, potentially revolutionizing cross-border transactions and encouraging wider adoption of digital currencies for everyday payments.
Shortly after its launch, PayPal seamlessly integrated PYUSD into its broader ecosystem, enabling eligible US customers to purchase, hold and transfer PYUSD. The speed at which PYUSD has gained traction in the market is evident from its market cap, which has surpassed $44 million in just over a month, placing it among the top 20 stablecoins by market capitalization.
Future Transparency and Trust
To enhance transparency, Paxos, the issuer of PYUSD, has committed to releasing detailed monthly reports on the assets backing the stablecoin, starting from September 2023. These reports, issued by independent third-party accounting firm WithumSmith+Brown, PC, will provide users with insights into the reserves, fostering trust and encouraging broader adoption of PYUSD.
In conclusion, PayPal's venture into the stablecoin realm with PYUSD signifies a pivotal moment in the evolution of digital currencies. With stability, regulatory compliance and a vision for global payments, PYUSD emerges as a promising addition to the cryptocurrency landscape, offering users a secure and efficient means of engaging in digital transactions.

PYUSD has gained rapid market adoption since its August 7, 2023 launch, surpassing a market cap of $44 million in just over a month. Its integration into PayPal's ecosystem and commitment to transparency through monthly reports contribute to its growing popularity.

What is unique about PayPal USD (PYUSD)?

PYUSD stands out as PayPal's own stablecoin, offering stability through full backing with US dollar deposits, treasuries and cash equivalents. Its regulatory oversight by Paxos Trust Company and integration within the Ethereum blockchain make it a reliable and versatile digital asset.

Who are the founders of PayPal USD (PYUSD)?

PayPal USD (PYUSD) is PayPal’s stablecoin, issued by Paxos.

Who are the backers/investors of PayPal USD (PYUSD)?

Paxos.

Where can I buy PayPal USD (PYUSD)?

You can buy PayPal USD (PYUSD) on Kraken, Bitget, Gate.io OKX BingX cryptocurrency exchanges.

Information in this section carefully collected and curated from publicly available data from official sources, including the PayPal USD Official Website, PayPal USD Whitepaper and PayPal USD X (Twitter) Account.

The information presented on this page is created and published by the OGAudit Editorial Team for educational and informational purposes. It should NOT be construed as an endorsement, or as legal, or investment advice. If you believe any content on this page is outdated or incorrect, please feel free to contact us for updates and corrections.