Yield guide
How we read stablecoin APYs, compounding, and lock-ups before typing anything into Smart Crypto Calculator PC.
This guide is the companion page for our consultation model. Use it to prepare documents before a session, or to practise inputs inside Smart Crypto Calculator PC on your own Windows machine.
1. Collect the rate source
Prefer a dated issuer page, exchange notice, or account statement over a social post. Note the currency, the APY figure, and whether rewards are discretionary. If the page can change without notice, write down the retrieval date next to the number.
2. Name the compounding interval
Daily, weekly, monthly, or at maturity each change the ending balance even when the headline APY matches. In Smart Crypto Calculator PC, leave the interval blank only if the programme pays once at the end — otherwise the projection understates growth.
3. Separate lock-up from soft holds
A hard lock prevents withdrawal until a date. A soft hold allows exit with a fee. Model the fee as a haircut on principal or on interest, depending on the programme rules, and run a second scenario that assumes an early exit on day thirty.
4. Size the holding window honestly
Project the days you truly expect to keep funds committed. Stretching every scenario to 365 days flatters annualised marketing and hides programmes that reset rates after a short campaign.
5. Record fee drag
Deposit fees, withdrawal fees, and reward-claim fees belong in the calculator when they are known. If unknown, mark the projection “fee-exclusive” so you do not compare it later against a fee-inclusive sheet.
Bring this checklist to a session
- Tickers and approximate principals
- Screenshots or PDFs of APYs with dates
- Intended holding days
- Any early-exit or tier clauses
- Whether you already installed Smart Crypto Calculator PC
When you are ready for a guided pass, browse consultations or request a projection.