PayPal USD (PYUSD) rewards
PYUSDPayPal Earn pays a variable ~4% APY on PYUSD by deploying it on-chain, and scores B/78 on StableLens — a strong platform paired with the underlying coin — but it is a lending position, not an FDIC/SIPC-insured deposit.
StableLens score
Platform × Stablecoin model · v1.0Confidence: Medium · scale is distinct from the DeFi pool grader
Frequently asked
Is PayPal Earn FDIC or SIPC insured?
No. PayPal Earn is a crypto earn product, not a bank deposit — the PYUSD is held and deployed by PayPal, so it is not FDIC- or SIPC-insured and the yield is variable, not guaranteed.
Where does the ~4% yield come from?
PayPal Earn deploys the deposited PYUSD to generate the rate; it is variable, not fixed.
Is PYUSD safe?
PYUSD scores A+/95 on StableLens compliance, and aligns with the GENIUS Act framework. That is a methodology classification, not a guarantee — see the PYUSD report for reserves, attestations, and peg history.
What does the B/78 StableLens score mean?
It is the Platform × Stablecoin model · v1.0: the platform's quality tier (82) multiplied by PYUSD's compliance score (95), scaled to 0–100. It rates the platform and the coin — not the underlying DeFi credit layer — and is a methodology classification, not investment advice.
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- ✓Full yield & structure breakdown
- ✓Custody, credit layer & insurance detail
- ✓Institutional reference data (custodian, regulator, ISIN)
- ✓Subscription / redemption flows
- ✓Direct source & announcement links
- ✓Depeg alerts & watchlists