APR is what it is and how the income accrual system works

APR is an annual percentage rate that shows how much income you can earn over a year from your investments. In flexible-term products, this rate constantly changes and updates every hour based on market conditions. It’s important to understand that the displayed APR value is an approximate indicator and may differ from actual earnings due to fluctuations in supply and demand within the liquidity pool.

Basic Concepts: What is APR and Its Types

There are two main types of APR in yield systems. The first type is a floating rate for flexible investments, which is recalculated hourly and depends on current market conditions and the amount of capital in the pool. The second type is a fixed rate for investments with a set term, established at the time of purchase and remaining unchanged until the period ends.

When you see APR information on the screen, remember that this is not a promise of guaranteed income. The data displayed is for informational purposes only and can change significantly. The chart typically shows historical APR over the past 24 hours, week, month, or year, helping you assess past yield trends.

How Yield Is Calculated in Flexible and Fixed Plans

In flexible-term plans, income begins to accrue from the next full hour after funds are invested. Each hour, the platform calculates your hourly yield using a simple formula: effective invested amount multiplied by the current APR, divided by 365 days and 24 hours. All daily accrued amounts are transferred to your financial account at 00:30 UTC the following day.

For example, suppose an investor deposits 20,000 USDT at 9:30 UTC. With a current APR of 9% for USDT, the first hourly yield will be calculated at 10:00 UTC and will be approximately 0.2054 USDT. If the investment is left for the entire day (14 hours), the total earnings will be about 2.88 USDT, which will be credited to your account at 00:30 UTC the next day.

In fixed-term plans, the logic is different. You select a term (e.g., 7 days) and an APR at the moment of investment, and this rate remains fixed. Income starts accruing from the next day (T+1) after investment, using a different formula: the effective amount multiplied by APR, divided by 365, then multiplied by the number of days invested. With the same 20,000 USDT over 7 days at 9% APR, the income will be exactly 34.52 USDT, which, along with the principal, will be credited to your account on the specified date.

Multi-Level APR System and Its Impact on Income

Multi-level APR is a system where the rate depends on the size of your investment. The larger your deposit, the more the offered interest rate may change. For example, the platform might offer 12% APR for amounts up to 500 USDT, 0.70% for 500–1000 USDT, and 0.28% for amounts over 1000 USDT.

When you see multiple cryptocurrency icons under the APR, it means your income will be distributed among several assets different from the one you invested in. This structure allows for reward diversification without additional actions. For example, investing in BTC might generate income in BTC, ETH, and USDT simultaneously. The displayed APR is the combined rate of all assets.

In multi-level systems, calculations are more complex. If an investor deposits 10,000 USDT according to the above levels, the income is calculated separately for each level: 500 USDT at 12%, the next 500 USDT at 0.70%, and the remaining 9,000 USDT at 0.28%. All these amounts are summed into the total hourly income.

Practical Investment and Income Examples

Let’s analyze a flexible investment scenario in detail. An investor deposits 20,000 USDT at 9:30 UTC with an APR of 9%. Income begins to accrue from 10:00 UTC. If the investor leaves the funds for the entire day, by 00:30 UTC the next day, earnings will be approximately 2.88 USDT.

If the investor withdraws 10,000 USDT at 15:30 UTC the same day, the calculation changes. They will receive the principal plus the income accrued over 5 hours (from 10:00 to 15:00 UTC), which is about 1.03 USDT. The remaining 10,000 USDT will continue earning until the end of the day, bringing in roughly 0.92 USDT, which will be transferred at 00:30 UTC the next day.

If the investor adds funds later, for example, depositing another 10,000 USDT at 7:30 UTC the next day, the income on this new amount will start calculating at 8:00 UTC and be transferred at 00:30 UTC on the third day.

Managing Investments: Withdrawals and Auto-Reinvestment

Flexible investments allow you to withdraw funds at any time without restrictions. The principal and all accumulated income are immediately transferred to your financial account. Keep in mind that if, after a partial withdrawal, the remaining amount falls below the minimum limit, the remaining funds will stop earning.

Fixed investments have a different logic. You can only withdraw after the set period has ended. However, some products support early withdrawal options—this means you can get your money sooner, usually with adjusted earnings.

To maximize income, there is an auto-reinvestment feature. All profits are automatically added back to the principal, creating a compound interest effect. Reinvested funds are not considered new orders; this means their income is summed with current assets without interruption in accrual.

Checking and Tracking Your Income

To view your full investment and income history, open the financial account section and go to orders. There, you will find all records of deposits and withdrawals. To see yield information, change the operation type filter to “Yield”—this will display only distribution and earned income records.

Remember, the final income is calculated based on the average spot price during the 30 minutes before placing the order. As a result, actual income may differ slightly from the initially calculated amount. Additionally, there may be delays (up to 12 hours) in income distribution due to time differences between interest calculation and collection from borrowers.

For flexible investments, note that notifications about APR changes are not automatically sent. You need to monitor the current rate yourself. The rate can change at any moment depending on market conditions, and your future income will depend on these changes. If your investment plan is sold out, you will still continue earning on your invested funds until you withdraw them (in flexible terms) or until the period ends (in fixed terms).