In the dusty town of fintech, PayPal’s stock has strutted out like a cocky teenager—bullish, confident, and riding the crest of a golden cross pattern. Investors are rubbing their hands together, dreaming of a shiny revenue boost and rosy hints of the future. But deep beneath those shiny charts, trouble brews, like a pot of cheap stew trying to stay hot. 
The company’s prized stablecoin, PYUSD, is losing ground faster than a sullen teenager to rival coins such as USDT and RLUSD.
Growth is slowing, sort of like a once-gleaming car sputtering down the highway, and the hope that PYUSD will turn into a cash cow—making fat margins and turning heads—is hanging by a thread. Especially with the fancy new GENIUS Act standing there, like a stern schoolmaster, ready to shape the future of stablecoins. Think backing with real US dollars or bonds—nothing fancy, just good old-fashioned security, unlike USDT which juggles US dollars, gold, and Bitcoin like a circus act.
Stablecoins: The new coliseum of the financial gladiators
Last week, PayPal’s stock danced a little jig—forming that bullish golden cross that traders love to hang their hats on—waiting impatiently for earnings day. As the clock ticks towards July 31, analysts are sharpening their pencils, eyeing a modest $8.08 billion in revenue, a tiny but hopeful bump from last year. The forecast for the third quarter whispers of $8.13 billion, like a rumor in a small town—growing, but not fast enough to make anyone break out the champagne.
Meanwhile, the stablecoin PYUSD—once a rising star—has now descended from a high of $1.02 billion in circulation to a modest $890 million. Competitors like USDT and RLUSD are gobbling up market share like a midnight snack, with USDT reigning supreme at over $163 billion—more zeros than most folks can count. USDC sticks around with $64 billion, while RLUSD, still fresh out of the stablecoin nursery, has grown to over half a billion.
Now, PayPal dreams of siphoning some of that USDT market share, especially after the G.I. Joe-like GENIUS Act slaps some common sense on the scene. It demands stablecoins be backed simply by US dollars or bonds—like a grown-up’s allowance—none of that gold-and-Bitcoin juggling. PYUSD, if it gains traction, could make fat profits for PayPal, earning over 4% on bonds—enough to line a few pockets. An investment of $900 million in bonds would rake in about $36 million in extra cash—more money than most of us see in a lifetime, or at least in a weekend.
But beware—these stablecoins are slippery foes. Merchants and small sellers might ditch PayPal’s fee-choked system and switch to free stablecoins, which cost near nothing, leaving PayPal’s 2.89% fee as a dead weight. So, while PYUSD might see some growth, the landscape’s shifting faster than a cat on a hot tin roof.
Technical musings and stock dreaming
As for the stock itself? Well, it’s been riding the wave from a low of $55.83 in April to a breezy $77, thanks to that golden cross like the stock gods themselves drew it. The 50-day and 200-day moving averages have finally shaken hands, signaling a possible rally—perhaps after earnings, perhaps when pigs fly, but hey, the charts say so. Next stop? Maybe $83.37, if technicals hold and the market’s mood stays sunny.
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2025-07-27 20:13