2025 TOP to BIF Historical Review

YEARLY HIGH

1241.1104 BIF

YEARLY LOW

1198.0512 BIF

YEARLY AVERAGE

1227.1213 BIF

2025 TOP to BIF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the TOP to BIF exchange rate experienced significant fluctuation. The market reached its absolute peak on September 20, valuing the pair at 1241.1104. Conversely, the yearly low was recorded on January 15, dropping to 1198.0512.

This high-to-low spread represents a total annual volatility of 43.0592 BIF. From a start-to-finish perspective, comparing the January average rate of 1214.3371 to the December average rate of 1228.8460, the exchange rate registered a net change of 1.19% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 1241.1104 was down 0.78% compared to the 2024 peak of 1250.9111, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 TOP based on timing:

Yearly Peak High 6,205,552 BIF

2024 Average 6,088,424 BIF

Yearly Trough Low 5,990,256 BIF

Transaction Impact: A difference of 215,296.14 BIF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

1234.1733

1212.5338

JanuMarcMayJulySeptNove

TOP to BIF Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 1225.1577, compared to 1229.0849 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 3.9272 points.

H1 Avg (Jan–Jun) 1225.1577

H2 Avg (Jul–Dec) 1229.0849

Volatility Range Comparison

Volatility

The most volatile month in 2025 was January, with a trading range of 37.3755 BIF (High: 1235.4267 / Low: 1198.0512). On the other end, December was the most stable month, with a tight range of 6.6441 BIF (High: 1232.2657 / Low: 1225.6216).

January Spread (Volatile) ±37.3755

December Spread (Stable) ±6.6441

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 6.7169 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -6.7169

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2025: 1232.2352) against the same month in 2024 (average: 1234.1829), the exchange rate shifted by -1.9477 (-0.16%).

2025 Avg (September) 1232.2352

2024 Avg (September) 1234.1829

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1235.4267	1198.0512	1214.3371
February	1235.1397	1199.8814	1224.6042
March	1234.2993	1209.6305	1226.4618
April	1235.8777	1214.8221	1229.7856
May	1237.4202	1217.3140	1226.4519
June	1238.9885	1221.0519	1229.3058
July	1238.9527	1215.2374	1230.5251
August	1238.4831	1219.1854	1232.3700
September	1241.1104	1218.1255	1232.2352
October	1237.8719	1219.1695	1225.5183
November	1231.8504	1215.3362	1225.0148
December	1232.2657	1225.6216	1228.8460