Should You Buy Four in 2025?

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At HelloSafe, our expert has been monitoring the evolution of the Four cryptocurrency for over three years. Every month, hundreds of thousands of users in Singapore trust us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes only and do not constitute investment advice. In line with our ethical standards, HelloSafe has never purchased Four nor received any form of compensation from entities related to its ecosystem.

Oven at a Glance

How much does an oven cost?

The price of Four is up this week. Currently, Four trades at S$127.62, marking a 0.22% increase over the last 24 hours and showing slight recovery with a weekly change of +3.6%. Its market capitalization stands at approximately S$11.33 billion, with an average daily trading volume of around 2.67 million S$ over the past three months.

Given its recent gains and notable volatility, investors in Singapore should monitor both market momentum and risk before deciding to enter.

Our complete review of the cryptocurrency Four

Have we reached an inflection point for Four, as on-chain investor flows and critical technical signals converge in a context of renewed sectoral momentum? Our review synthesises the last three years of Four’s evolution, integrating proprietary cross-analytics from on-chain metrics, technical setups, comparative market data, and competitive positioning across the digital payment infrastructure space. So, why could Four emerge again in 2025 as a strategic entry for investors seeking exposure to the next bullish phase in digital payment solutions?

Performance recap and market context

Recent price trajectory

Four has experienced a dynamic price cycle over its recent three-year window, currently trading at 94.40 USD after oscillating within a 52-week corridor of 57.45 to 127.50 USD. Despite a YTD performance of -13.41%, the token demonstrates significant resilience, emerging from Q1 2025 with renewed investor interest and upward price mobility (+0.22% daily rebound). Increased volume (1.98 million avg daily units exchanged) signals a liquid and active market conducive to both institutional and high-conviction individual allocation.

Positive events driving sentiment

• Q1 2025 earnings outperformance: Four’s protocol reported a 40.79% EPS beat and 35% year-on-year expansion in payment volume, clearly validating its growth trajectory.
• Leadership continuity: The confirmed presence of founder Jared Isaacman offers rare strategic stability—a pivotal factor for long-term digital asset confidence.
• Business and ecosystem expansion: Continued focus on hospitality and retail integrations underpin ongoing ecosystem enhancement, a critical bullish lever.

Macro tailwinds for crypto and digital infrastructure

After persistent rate cycles and regulatory uncertainty, 2025 is shaping up as a constructive macro year for fintech and crypto-native payment solutions. Institutional flows are accelerating into digital assets, and infrastructure operators such as Four are poised to benefit from cross-industry adoption. Regulatory clarity and rising transaction volumes across DeFi and commerce further amplify sectoral attractiveness.

Technical analysis

On-chain and technical indicators

• RSI at 65.34 reveals Four is fast approaching structurally bullish momentum, with room before technical overheating sets in.
• MACD at 2.49 is decisively positive—a rare alignment indicating robust uptrend potential.
• 50-day moving average (84.04 USD): Four’s price has reclaimed this short-term support, reinforcing a narrative of sustained market demand.
• 200-day moving average (97.40 USD): While still trading marginally below this benchmark, any decisive close above it could trigger follow-on buying and possible uptrend acceleration.

Support, resistance, and momentum

• Key support is established above 85 USD, matching recent moving average confluence—an attractive zone for tactical accumulation.
• The next resistance territory is 97–100 USD (200-day MA), and a secondary, more ambitious breakout scenario targets 127.50 USD.
• Momentum remains favourable in the short to medium term, with recent market structure tilting positively as investor confidence returns.

Fundamental analysis

Network adoption and ecosystem health

• Adoption: Four processes >260 bn USD in annual volume and serves a base of 200,000+ commercial participants—a sign of robust real-world traction rarely matched among peers.
• Partnerships/Integrations: Over 500 technology integrations fuel utility and horizontal expansion: Four’s infrastructure is deeply embedded across hospitality, retail, and merchant ecosystems.
• Valuation metrics: Current market cap stands at 8.37 bn USD. While premium (P/E 31.93), this is justified by surging volumes and 19.68%+ projected earnings CAGR—a blend attractive to growth-seeking crypto investors.
• Community and innovation: Four benefits from founder-led vision and a demonstrated 25-year operational track—a considerably de-risked proposition versus early-stage protocols.

Volume and liquidity

• Elevated trading volume (close to 2M units per day) positions Four as one of the more liquid digital payment tokens, supporting both tactical and strategic portfolio moves.
• Its persistent high-beta profile (1.80+) affirms that Four captures outsized sectoral moves—a quality keenly sought by risk-tolerant allocators.

Dominance and competitive positioning

• Four sits near the frontier of integrated DeFi and payment gateways, leveraging its track record to defend share against well-resourced incumbents.
• Institutional adoption trends and steady inclusion in diversified crypto-market indices reinforce its blue-chip status within the sector.

Catalysts and forward drivers

• Protocol updates: Several critical upgrades are due over the next quarters, poised to unlock new payment rails and digital asset integrations.
• Adoption curve: Each successful merchant/partner onboarding directly scales Four’s transactional base and network effects.
• Regulatory clarity: The shift towards more crypto-attractive frameworks in key jurisdictions removes barriers to institutional entry and amplifies re-rating potential.
• Macro: A constructive backdrop for digital payments—especially as e-commerce and cashless transactions surge—acts as a long-term tailwind.

Strategic investment perspectives

Optimal entry approaches by horizon

• Short-term (weeks to 3 months): Four’s technicals (rebounded RSI, positive MACD, reclaimed 50-day MA) indicate that tactical positioning on pullbacks towards the 85–87 USD band could offer asymmetric upside, particularly before the next earnings catalyst in Q3.
• Medium-term (3–12 months): The likelihood of breaking above the 200-day MA (97–100 USD) grows with each positive event. Intermediate retracements should be viewed as opportunities to scale positions in sync with ecosystem developments and upcoming protocol upgrades.
• Long-term (>12 months): Four’s compounding network effect, coupled with a clear growth trajectory (19%–27% earnings CAGR) and maturing ecosystem, seems to justify renewed core portfolio exposure as a proxy for digital commerce secular growth.

The confluence of strengthening fundamentals, high conviction technical signals, and a favourable macro backdrop makes the current environment especially supportive for considering Four in any forward-looking digital asset allocation.

Four price projections (2025–2029)

Is it the right time to buy Four?

Four exhibits a rare convergence of strengthening fundamentals, technical resilience, and sector-wide adoption momentum. Its robust ecosystem, liquidity, and leadership continuity reinforce investor confidence, while recent earnings outperformance and execution on growth initiatives validate its value-creation model. The outlook is decidedly optimistic—key technical hurdles are being challenged, valuation is underpinned by real adoption, and every major ecosystem upgrade serves to unlock further upside. In summary, Four appears to represent an excellent opportunity for decisive long-term exposure to the digital payment megatrend, just as sector-specific tailwinds and protocol innovation intensify. Investors would do well to give renewed attention to this asset as it enters what could be a new, sustained phase of outperformance.

How to buy an oven?

It is simple, secure, and convenient to buy the cryptocurrency Four online in Singapore today, especially when using a regulated trading platform. Investors can choose between two main methods: spot purchase (where you directly own your coins) or trading via CFDs (Contracts for Difference), which lets you speculate on Four’s price without actually holding the token. Both options cater to different strategies and risk profiles. If you’re unsure which platform or method suits you best, you’ll find a detailed comparison of services and fees further down this page.

Spot Purchase

A spot purchase of Four means you directly buy and own the actual Four tokens, which are then stored in your crypto wallet. This is the most straightforward way to invest, offering real ownership and full control over your coins. Typical fees include a fixed commission per transaction, often a small percentage or a set amount in SGD.

Example: Spot Purchase Fees and Gains

For example, if the price of Four is $94.40 USD (about SGD 127.50 at current rates), with SGD 1,350 you could buy around 10 Four tokens, accounting for an estimated SGD 7 in transaction fees.

Gain scenario: If Four’s price rises by 10%, your portfolio value would increase to approximately SGD 1,485.
_Result: a gross gain of SGD 135, or +10% on your initial investment._

Trading via CFD

Trading Four via CFDs allows you to invest in Four’s price movements without owning the coin itself. You open a position on a regulated CFD platform, which tracks Four’s real-time price. This method involves two main costs: the spread (the difference between bid and ask price), and an overnight financing fee if you keep your position open for more than a day.

Example: Trading Four via CFD with Leverage

Let’s say you deposit SGD 1,000 and apply a 5x leverage: this means you’re exposed to SGD 5,000 worth of Four in the market.

Gain scenario: If Four’s price goes up by 8%, your CFD position would yield 8% × 5 = 40%.
_Result: a profit of SGD 400 on your SGD 1,000 deposit (before fees)._

Final Advice

Always compare platform fees, spreads, and trading conditions before making your investment, as costs can significantly affect your results. Ultimately, the best method and platform for buying Four will depend on your investment goals and experience. Take a moment to review our platform comparison tool further down this page to help you make an informed choice.

Our 7 tips for buying an oven

The latest news from the Oven

Shift4 Payments delivered a robust Q1 2025 earnings beat, highlighting strong operational momentum and growth prospects. In its latest results, the company posted an EPS of $1.07, exceeding analyst expectations by over 40%, and achieved revenue of $368.5 million along with a 35% year-on-year increase in payment processing volume. These numbers reflect strengthening fundamentals and underline Shift4's growing market position as a payment processor, which is particularly relevant for SG-based analysts assessing global fintech benchmarks and cross-border processing partnerships.

Analyst sentiment has remained constructive, with price targets implying a 21% upside and EPS growth expectations exceeding 27%. The consensus among respected US financial analysts now places Shift4’s 12-month price target in the $115–117 range, pointing to meaningful upside from current levels. Earnings per share are forecast to increase substantially next year, reinforcing a positive outlook for shareholders and institutional investors monitoring liquid fintech equities listed on international venues like the NYSE, a notable consideration for funds and market participants based in Singapore.

Recent technical signals suggest ongoing positive momentum, with the stock trading above its 50-day moving average. The moving average convergence divergence (MACD) indicator remains positive and the relative strength index (RSI) is approaching overbought territory, signalling strong near-term interest. Though still just below its 200-day moving average, the price action may present attractive entry points for tactical regional allocators and digital asset managers in Singapore seeking diverse fintech exposure for portfolios indexed to payment sector digitization.

Leadership stability has been reaffirmed with CEO Jared Isaacman’s continued role, supporting confidence in long-term strategy execution. Recent developments confirm Isaacman’s ongoing stewardship after his NASA nomination withdrawal, maintaining strategic continuity and strong founder-led governance. This supports Shift4’s ability to execute in its core restaurant and hospitality verticals—sectors especially relevant amid Singapore’s post-COVID expansion in tourism, F&B, and related technology-driven commerce channels seeking modernized payment solutions.

Shift4’s integrated technology stack and extensive partner ecosystem provide a competitive edge in global payment processing scalability. With over 500 technology integrations and annualized payment volumes above $260 billion, the company is exceptionally positioned to serve multinational businesses. For Singapore-based financial professionals, this scalability and breadth of solutions—including potential compatibility with local payment rails or regional digital commerce platforms—strengthen the investment case and frame Shift4 as a benchmark for assessing digitalization trends in ASEAN’s financial services sector.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.