New · 2025 Prospectuses Available
— Five strategies, up to 112% annual return ·
Capital Preserver · Balanced Growth · Real Estate Trust · Private Wealth Index · Aggressive Equity
View 2025 Prospectuses →
Learning Library
Investor Guides
Plain-language explanations of every significant concept you need to understand before investing on this platform.
Fundamentals
What Is APY and Why It Matters More Than Interest Rate
APY (Annual Percentage Yield) accounts for compounding — it tells you the effective annual return when yield is reinvested. A 37% APY does not mean 37% once. Reinvested monthly, it compounds. This guide explains the difference and shows the actual maths on a $5,000 position over 3 years.
5 min read
Lock Periods
Flexible vs Fixed: Choosing the Right Lock Structure
A Flexible position earns the base APY with no commitment. A Fixed Annual position earns the peak APY — locked for 12 months. The right choice depends on your liquidity needs. This guide walks through the trade-offs with real APY numbers from the 2025 prospectuses for each strategy.
4 min read
Yield Mechanics
How Hourly Accrual Works: Every Hour from Day 1
Yield begins accruing at 00:00 UTC the business day after your deposit clears — not the day you click confirm. This guide explains the accrual formula (invested × APY ÷ 8,760 per hour), how monthly credits are calculated, and why the 1st-of-month credit time is consistent across all strategies.
3 min read
Strategies
Which Strategy Is Right for Your Risk Profile?
Five strategies. Each has a different risk profile, APY range, minimum investment, and management fee. Capital Preserver suits conservative investors; Aggressive Equity is for those comfortable with higher volatility in exchange for higher yield. This guide maps each strategy to a typical investor profile.
6 min read
Fees
Understanding Management Fees: What Is Deducted and When
Management fees at Halofinity are deducted pro-rated from your monthly accrued yield — not from your principal. This guide explains the fee calculation, shows you the net yield after fee deduction for each strategy, and compares the net APY to the gross APY your position earns before deduction.
4 min read
Compounding
Reinvesting Your Monthly Yield: The Compounding Effect
Yield is credited to your balance on the 1st of each month. You can withdraw it, or reinvest it by adding it to an existing position or opening a new one. Reinvested monthly, a $10,000 position at 67% APY (Balanced Growth, Annual lock) grows to over $46,000 over 3 years. This guide shows the numbers.
5 min read
Glossary
Key Terms Explained
Every important term used on this platform, in plain English.
APY (Annual Percentage Yield)
The effective annual rate of return, accounting for the effect of compounding within the year. Halofinity publishes APY — not simple interest rates — in all prospectuses.
Lock Period
The duration for which your invested capital is committed to a position. Longer lock periods earn higher APY. Options: Flexible, 90-Day, 6-Month, Annual.
Accrual
The process by which yield accumulates on your position. At Halofinity, yield accrues hourly (APY ÷ 8,760 per hour) from the position opening date.
Monthly Credit
The consolidation of all accrued yield into your withdrawable balance on the 1st of each calendar month. You can withdraw or reinvest this balance.
Segregated Account
A legally separate account holding investor capital that cannot be used for Halofinity's operational costs. Confirmed by quarterly independent audit.
Prospectus
A legally binding document that states a strategy's APY range, fee structure, lock periods, risk factors, and investor rights. Published for all five strategies.
Independent Audit
A quarterly review conducted by an external firm confirming that delivered APYs are within the prospectus-stated range and that investor funds are properly segregated.
Management Fee
Halofinity's service charge, deducted monthly as a pro-rated percentage of accrued yield — never from principal. Ranges from 1.5% to 4.0% per strategy.
Position
An active investment in a specific strategy at a specific lock period. You may hold multiple positions simultaneously across different strategies.
Early Unlock
The process by which a fixed-lock position can be closed before maturity. Subject to a formal request, processing timeline, and an early unlock fee as defined per strategy.
KYC (Know Your Customer)
The identity verification process all investors must complete before their first deposit. Includes government ID and proof of address. Required for regulatory compliance across all jurisdictions.
Reinvestment
Adding your monthly credited yield into an existing position or a new one, allowing yield to compound on a growing principal base.
Strategy Breakdown
All Five Strategies — Side By Side
APY rates, minimums, fees, and risk profiles for every strategy. All figures from the 2025 prospectuses.
| Strategy | Min Investment | Flexible APY | 90-Day APY | 6-Month APY | Annual APY | Mgmt Fee | Risk Profile |
|---|---|---|---|---|---|---|---|
| Capital Preserver | $500 | 37% | 40% | 42% | 45% | 1.5% | Conservative |
| Balanced Growth | $1,000 | 51% | 57% | 61% | 67% | 2.0% | Moderate |
| Real Estate Trust | $5,000 | 53% | 60% | 64% | 71% | 2.5% | Moderate |
| Private Wealth Index | $10,000 | 71% | 79% | 85% | 91% | 3.0% | Growth |
| Aggressive Equity | $1,000 | 83% | 94% | 101% | 112% | 4.0% | Aggressive |
All rates as of Q4 2025. Annual lock delivers peak APY per strategy. Management fee is deducted monthly pro-rated from accrued yield — not from principal. The 112% figure for Aggressive Equity represents actual Q4 2025 delivered performance, exceeding the 83% prospectus floor.
Yield Mechanics
Step by Step: How Your Yield Moves
Step 1: Deposit Clears
Your deposit is received and confirmed. Bank transfers typically clear in 1–3 business days. Crypto (USDT TRC20) clears in 1–6 confirmations — usually under 30 minutes. Card deposits clear same day.
Step 2: Position Opens at 00:00 UTC
Your position opens at midnight UTC on the next business day after your deposit clears. This is your official start date. Yield begins accruing from this exact moment.
Step 3: Hourly Accrual
Every hour: your yield increases by (invested_amount × APY_rate ÷ 100) ÷ 8,760. This runs 24/7. Your live dashboard shows the cumulative accrued balance updating in real time.
Step 4: Monthly Credit on the 1st
On the 1st of each calendar month, all yield accrued in the previous month is moved from "accruing" to "credited" — appearing in your withdrawable balance. You can then withdraw or reinvest.
Step 5: Reinvest or Withdraw
Credited yield can be withdrawn to your bank or crypto wallet, or reinvested into a new position. Reinvestment starts a new position with a new opening balance — compounding your returns.
Step 6: Lock End / Rollover
At the end of your lock period, your principal and any uncredited yield are released to your balance. You can then open a new position — selecting the same or a different strategy and lock structure.
Informed Investors Are Confident Investors.
You now know more about how this platform works than most investors ever read. Put that knowledge to work.