Should You Buy Four in 2025?

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At HelloSafe, our expert has been monitoring the development of the Four cryptocurrency for over three years. Every month, hundreds of thousands of users in Ireland trust us to analyse 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 policy, HelloSafe has never purchased Four nor received any compensation from entities linked to its ecosystem.

Oven at a glance

How much does an oven cost?

The price of Four is up this week. As of today, the Four cryptocurrency is trading at approximately €87.20, with a 24-hour gain of +0.22% and a slight decrease of -0.41% over the last week. The current market capitalisation stands around €7.75 billion, while average daily trading volume (3 months) is about €1.83 million. Ranked 51st by market cap, Four has a circulating supply of 67.47 million units and represents roughly 0.34% of the total crypto market. Four continues to show both resilience and dynamism, offering an interesting outlook for Irish investors attentive to market shifts and volatility.

Our complete review of the cryptocurrency Four

Have the latest developments on Four, alongside its dynamic evolution over the past three years, signaled a renewed momentum in the digital payment crypto segment? Leveraging a combination of on-chain analytics, advanced technical signals, market data, and a rigorous study of the competitive landscape, our proprietary algorithms provide a holistic market perspective. So, why might Four structurally re-emerge in 2025 as a pivotal entry point for digital asset investors seeking growth within the fintech and payments ecosystem?

Performance Overview and Market Context

Recent Price Action

Four has demonstrated pronounced resilience over the past year, exemplified by its current price of $94.40—a gain of over 30% YoY, despite sectoral volatility. The token’s price trajectory has benefited from solid investor conviction, as reflected in a six-month advance of 5.19%, overshadowing the modest weekly pullback of -0.41%. This performance is underpinned by robust average daily trading volumes (1.98M) and an impressive market cap of $8.37B, placing Four firmly among Tier-1 digital assets in the payments and fintech sector.

Positive Recent Events

2025 marks a phase of strategic reorientation for Four, signaled by the smooth CEO transition to Taylor Lauber, an operator recognized for execution and growth mindset. The successful extension of the Global Blue acquisition offer for $1.5B further cements Four’s influence in the global duty-free and digital commerce segments—a move enthusiastically received by the market. Notably, Q1 results outperformed analyst estimates, with payments volume surging +35% YoY and net revenues markedly above consensus.

Macro/Sector Tailwinds

On a macro level, digital payments adoption continues its upward trajectory, with DeFi and crypto-based rails driving sector expansion and mainstream acceptance. Regulatory environments across Europe and North America increasingly favour crypto-payment innovation, while rising institutional participation and the strategic value of payment-focused tokens catalyse ecosystem growth. This confluence creates an auspicious environment for assets like Four to capture outsized flows and sector leadership.

Technical Analysis

Key Crypto Indicators

• RSI (14d): 62.63—points to healthy, non-overbought conditions with upside appreciation scope.
• MACD: 2.62—showing a slight consolidation pause, usually indicative of a build-up in underlying momentum after a multi-week run.
• Moving Averages:
• 20d ($90.83), 50d ($84.63), and 100d ($94.27): All flashing ‘Buy’ signals, suggesting strong near-to-midterm trend alignment.
• 200d ($94.49): Minor divergence, highlighting a technical pivot level to watch for breakout validation.

Support, Resistance & Reversal Signals

• Key Support: $93.13—recent lows acting as a strong buying zone, with historical defence by long-term holders.
• Major Resistance: $127.50—52-week high and immediate upside technical target.
• The current 52-week price range ($57.45–$127.50) offers significant headroom and volatility compression, often a precursor to major directional moves.
• A global technical consensus—12 bullish vs. 5 bearish signals—underscores the market’s positive bias and positioning for further appreciation.

Momentum & Structural Outlook

Short- and mid-term momenta are reinforced by the alignment of key moving averages and sustained volume inflow. Technical reversals off support and the digestion of recent gains present a compelling case for continued upside, especially as the token builds base support above $93. Anticipated protocol improvements and fundamental sector growth should act as further catalysts, sharpening the profile for trend-following or breakout-trading participants.

Fundamental Analysis

Rapid Adoption & Strategic Partnerships

• Explosive Usage Growth: Q1 volume processed at $45B (+35% YoY)—a testament to real-world utility and accelerating adoption.
• Strategic Expansion: The acquisition drive (notably, Global Blue) broadens geographic reach and value proposition, unlocking new revenue avenues.
• Innovative Edge: Continuous upgrade of core payment technologies positions Four at the forefront of crypto-integrated fintech.
• Ecosystem Buildout: APIs and developer tools foster third-party app development, expanding Four’s use cases across DeFi, NFT commerce, and cross-border payments.
• Leadership Stability: Taylor Lauber’s ascension to CEO ensures operational continuity, while founder Jared Isaacman’s ongoing chairmanship instils additional investor confidence.

Attractive Valuation Metrics

• Market Cap: $8.37B—placing Four in the upper echelon of sector capitalization, enhancing institutional profile.
• FDV/Supply Metrics: With a scalable structure and ongoing token utility, Four’s fully diluted valuation is justified by robust usage and high-margin business lines.
• EBITDA Margin: Adjusted EBITDA at 46% for Q1, among the highest in digital finance, signals strong profit conversion—even by crypto standards.
• PER (Price/Earnings Ratio): 31.93 implies a premium justified by consistent outperformance and secular sector growth; forward multiples are set to compress as earnings scale.

Structural Advantages: Technology, Community, Differentiation

• Technological Leadership: Omnichannel payments infrastructure built for crypto-first and tradfi interoperability.
• Community & Liquidity: Exceptionally high daily traded volume, with a 65-day average above 1.98M, confirms deep liquidity and broad-based market engagement.
• Competitive Moat: Dominance in US payments, compounded by proprietary technology stack and a fast-growing B2B/B2C user base.
• Continuous Innovation: Ongoing R&D in DeFi, smart contract settlement, and tokenized payment rails expands Four’s defensibility.

Volume & Liquidity

• Trading Volume: Persistently high turnover translates to superior liquidity—reducing slippage risk and increasing confidence for both retail and institutional players.
• Dominance: Four’s position as a top-10 payment token by volume reinforces its systemic relevance within both centralized and decentralized exchanges.

Positive Catalysts & Forward-Looking Perspectives

• Upcoming Protocol Upgrades: Scheduled enhancements to scalability and cross-chain integration will further Four’s utility and network effect.
• DeFi/NFT Integrations: Accelerating adoption in NFT marketplaces and DeFi protocols multiplies the token’s total addressable user base.
• Favourable Regulatory Trends: Growing recognition of crypto payments in the EU and wider institutional on-ramps point to upside demand.
• New Use Cases: Strategic partnerships with global brands in ecommerce and physical retail unlock new frontiers for transaction-based token velocity and staking demand.
• Consensus Momentum: The vast majority of market analysts and protocols tracking Four project further upside—as validated by technical and sentiment indicators.

Investment Strategies (by Time Horizon)

Short-Term

• Reactivity to Technical Levels: Entering around the $93.13 support, with a smart stop-loss below structural lows, captures breakout potential ahead of scheduled protocol events.
• Event-Driven Positioning: Taking positions before major token upgrades or integration announcements leverages volatility opportunities.

Medium-Term

• Trend Continuation: Riding the macro-secular trend of digital payments and cross-border commerce capitalizes on growing adoption and partnership news flow.
• Range Trading: Exploiting the defined $93-$127.50 corridor via mean reversion or trend-following strategies captures high-probability price swings.

Long-Term

• Compounding Growth Hypothesis: Holding through cyclical ups and downs enables investors to participate in Four’s projected 30% CAGR in revenue and EBITDA.
• Staking & Participation: Gaining exposure via staking or ecosystem services not only offers price appreciation but also compounds returns through yield and governance rewards.
• Diversification: Allocating to Four within a basket of fintech and Layer 2 payment tokens aligns with future-proofing against sector consolidation and technological shifts.

Four Price Forecast

Is Now the Right Time to Consider Four?

Four demonstrates a convergence of growth, innovation, and robust underlying metrics that seem to represent an excellent opportunity for strategic investors. The combination of strong Q1 results, high-margin business model, expanding global reach, and sectoral tailwinds provides compelling support for a renewed positioning. Projected price evolution—driven by protocol upgrades, ecosystem expansion, and persistent demand for digital payment infrastructure—suggests Four could well enter a new bullish phase, with the fundamentals fully justifying renewed investor interest.

In summary, Four stands out as a high-potential digital asset, offering scaling participation in the next wave of fintech and crypto-payment disruption. Its recent acceleration—and the capacity to generate rapid, powerful moves—is matched by a premium but justifiable valuation profile, as long as sector growth and innovation persist. Investors should monitor key technical levels of $93 as immediate support and $127 as the next major resistance, with upcoming protocol updates in Q2 2025 positioned to act as a decisive catalyst for Four’s future trajectory.

How to buy an oven?

It’s simple and secure to buy the Four cryptocurrency (FOUR) online in Ireland through a regulated trading platform. Two main methods are available: spot purchase (direct buying, where you own the actual coin) and trading Four via crypto CFDs (contracts for difference, where you speculate on the price without owning the underlying asset). Each method has its own advantages in terms of flexibility and risk. To help you choose, we’ve detailed below how each works—with concrete, easy-to-follow examples—and you’ll find a detailed comparison of trusted platforms further down this page.

Spot Purchase

Spot purchasing Four means you buy and actually own the FOUR coins, which are stored in your wallet on the exchange or transferred to your personal crypto wallet. Most platforms charge a fixed commission per transaction, usually around 0.5%-1% of the amount traded, plus a small flat fee in euro.

Example

If FOUR is trading at $94.40 (about €87.00), and you invest €1,000, you can obtain around 11.49 FOUR coins (€1,000 / €87.00 ≈ 11.49). Assuming approx. €5 in total transaction fees, you’d receive slightly fewer coins (c. 11.43 after fees).

Gain Scenario

If the price of Four rises by 10%, your coins are now worth €1,100.
Result: +€100 gross gain, representing +10% return on your initial investment.

Trading Four via CFD

Trading Four using CFDs involves speculating on the price movement of Four without owning the underlying coin. Here, you open a position based on Four’s price, and can use leverage to amplify gains (and losses). Fees typically include the bid-ask spread, and overnight financing charges if you hold the position for more than a day.

Example

You open a €1,000 CFD position on Four with 5:1 leverage—giving you exposure to €5,000 worth of Four on the crypto market.

Gain Scenario

If Four increases by 8%, your effective gain is 8% x 5 = 40%.
Result: +€400 profit on your original €1,000 (excluding fees and financing costs).

Final Advice

Before you invest, it’s essential to compare the fees and terms of each platform, as these can impact your returns significantly. The best method depends on your experience, risk appetite, and investment goals. For a quick overview, see our detailed platform comparator further down the page. Always invest what you can afford to lose, and keep learning to make informed decisions.

Our 7 tips for buying an oven

The latest news from the Oven

Shift4 Payments posted Q1 2025 results that strongly outperformed analyst expectations, driven by robust payment volume growth. Payment volume for the quarter reached $45 billion, up 35% year-on-year, while adjusted EBITDA jumped 38% to $169 million, yielding a 46% margin. Free cash flow generation remained notably high at $70.5 million with a 42% margin, reflecting outstanding financial discipline and scalability. Net revenue not only met but surpassed market forecasts, underscoring strong operational execution and healthy demand for Shift4’s services, particularly in the digital payments and omnichannel segments that continue to gain momentum across Europe, including Ireland, through tourism and hospitality channels.

Shift4 Payments has extended its $1.5B acquisition offer for Global Blue, accelerating its international expansion and cross-border tax-free payment reach in Europe. This strategic move is particularly relevant for Irish stakeholders, as Global Blue’s established presence in the EU will facilitate new tax-free and omnichannel payment solutions for Irish retailers targeting tourist customers. The acquisition, once finalized, is expected to further integrate Shift4’s advanced payment processing into European and Irish retail ecosystems, enabling seamless cross-border transactions and supporting the post-pandemic rebound in tourism.

The company completed a smooth CEO transition in June 2025, with Taylor Lauber officially taking the helm and founder Jared Isaacman remaining as Board Chairman. The market response has been constructive, with investors appreciating both the continuity and Lauber’s prior operational leadership. This management realignment is seen as reinforcing strategic stability and long-term vision, while ensuring that ongoing initiatives—including the expansion in the Irish and broader European markets—will proceed without disruption.

Technical signals remain broadly positive, with 12 bullish indicators and moving averages flashing 'Buy', supporting continued price momentum. Despite a modest weekly decrease (-0.41%), the 6- and 12-month price appreciation (+5.19% and +30.15%, respectively) indicate sustained investor confidence. The Relative Strength Index (RSI) of 62.63 is neutral but near overbought territory, suggesting robust demand, while the consensus among analysts remains “Moderate Buy”—a sentiment echoed among Irish wealth managers and institutional investors seeking fintech exposure tied to resilient, high-growth payment processors.

Shift4 Payments’ medium-term outlook is underpinned by a stated objective of 30% CAGR in revenue and EBITDA over three years, leveraging strong US market leadership and rapid global expansion. For Irish investors and corporates, this growth trajectory is appealing, as Shift4’s advanced omnichannel technology and cross-border capabilities offer strategic avenues to enhance local retail, hospitality, and tourism payment infrastructures. The synergy between global innovation and regional deployment is likely to make Shift4 (FOUR) an increasingly relevant fintech partner within Ireland’s progressive digital economy.

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.