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FAQ/Settlement/How are the expected returns calculated?

How are the expected returns calculated?



Before creating a savings on your token, we show you what your expected returns are for the chosen saving product.

For the Simple Saving product, the expected return is the amount you will receive at the end of the saving period and is accurate. You will receive the interest and the principal in the original token you've saved, regardless of market price of the token.

For Token Structured Savings, the token return amount is calculated with one-week interest of that day and is accurate. While the USDT, USDC or TUSD expected amount is the original token value multiplied by 110%, plus one-week interest, all converted into USDT, USDC or TUSD using the exchange rates from previous settlement at 07:00 UTC, and it may differ from what you actually get at maturity. The actual exchange rate used to calculate the USDT, USDC or TUSD amount is fixed on next settlement time at 07:00 UTC, when the saving is actually created.

As for Stablecoin Structured Savings, the USDT, USDC or TUSD expected amount is calculated with one-week interest of that day and is accurate. While the Underlying Token expected amount is the price of Underlying Token multiplied by 91%, plus one-week interest, all converted into Underlying Token using the exchange rates from previous settlement at 07:00 UTC, and it may differ from what you actually get at maturity. The actual exchange rate used to calculate the Underlying Token amount is fixed on next settlement time at 07:00 UTC, when the saving is actually created.

Prices are calculated from prices at one of the following exchanges: Binance, Bitfinex, OKEX, and Huobi.