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How It Works

Returns & Payouts — Explained

Every number on the Halofinity platform is backed by verified allocations. This page walks you through — in plain terms — exactly how your yield is calculated, when it accrues, and how it reaches your account.

Hourly

Accrual Frequency

37 – 112%

APY Range Across Strategies

T + 1

Standard Settlement

Monthly

Payout Consolidation

01 — Yield Calculation

How Your Annual Percentage Yield Is Calculated

APY (Annual Percentage Yield) is the total return on your investment over a year, including the effect of monthly compounding. It is agreed at position entry and locked for your term.

Principal

Your total allocated balance in the strategy at position open

APY Rate

Your strategy's confirmed annual yield (e.g. 67% for Balanced Growth)

A × B

Annual Gross Yield

Credited hourly to your balance, before management fee deduction

Worked Example — You invest $10,000 in Balanced Growth at 67% APY. Annual gross yield = $6,700. After the $50 AUM fee your net annual return = $6,650, accruing at roughly $0.76/hour into your balance.

02 — Accrual & Settlement

From Deposit to Withdrawable Balance

Here is the exact sequence your capital goes through from the moment you fund your account to the moment a payout is available to withdraw.

Deposit Received & Verified Day 0

Your deposit is confirmed on the platform. KYC must be fully approved before a position opens. Once cleared, your capital is allocated to your chosen strategy at 00:00 UTC the following business day.

Hourly Yield Accrual Begins Day 1 onwards

Returns begin accruing every hour. The hourly rate is calculated as: APY ÷ 8,760 × Principal. At 67% APY on $10,000 this is approximately $0.76 per hour. You can watch the running balance grow live on your dashboard.

Monthly Payout Consolidation Every 30 days

All hourly accruals are consolidated on the 1st of each calendar month and moved into your withdrawable balance. At this point you can choose to withdraw the payout or reinvest it (compounding your next cycle's principal).

Term Maturity End of lock period

At position maturity your full principal plus any remaining accrued yield is released, penalty-free, into your withdrawable balance. Settlement completes within one business day (T+1).

Early Exit On request

Early exits are settled within 72 hours via our internal exchange. A strategy-specific exit fee (2%–4%) is deducted from the principal returned. All accrued yield up to the exit date is kept by the investor in full.

03 — Key Dependencies

What Affects Your Actual Net Return

Your payout depends on six interconnected variables. Understanding each one removes any uncertainty at settlement.

01 — Capital Threshold

Minimum Investment

Yield only accrues on balances at or above the strategy's minimum. Partial deposits below the threshold are held but do not earn until topped up.

Range: $500 (Capital Preserver) → $10,000 (Private Wealth Index)

02 — Lock Period

Position Lock Structure

Higher APY tiers require a fixed term commitment (3, 6, or 12 months). Flexible positions earn the base APY. Early exits within a locked term attract an exit fee.

Early exit fee: 2% (Capital Preserver) → 4% (Aggressive Equity)

03 — KYC Status

Identity Verification

Accrual and withdrawals are only active on fully verified accounts. Pending KYC suspends payout processing until documents are cleared — typically within 24 hours.

View your KYC status from your dashboard settings

04 — Management Fee

AUM Carry Fee

An annual management fee (1.5%–2% AUM or a flat dollar amount) is pro-rated daily and deducted before payout. It is never charged as a lump sum on exit from your principal.

Flat fees: $25/yr (Capital Preserver) · $150/yr (Private Wealth)

05 — Performance Fee

Hurdle Rate Threshold

Private Wealth Index and Aggressive Equity charge a performance fee only on returns above a defined hurdle. Below the hurdle, no performance fee applies at all.

Hurdles: 8% (Private Wealth) · 15% (Aggressive Equity)

06 — Payout Election

Withdraw or Compound

Each month you choose whether your payout is withdrawn or reinvested. Compounding adds your yield to your principal, so your next month's yield is calculated on a larger base.

Toggle compounding in your portfolio position settings

04 — Payout Schedule

Strategy-by-Strategy Reference

All APY figures are gross before AUM fee. Your net return equals the APY minus the stated management cost.

Strategy	Target APY	Min Investment	Payout Frequency	Early Exit Fee	Management Fee
Capital Preserver	37 – 45%	$500	Monthly	2% of principal	$25 flat / yr
Balanced Growth	51 – 67%	$1,000	Monthly	2.5% of principal	$50 flat / yr
Real Estate Trust	53 – 71%	$5,000	Monthly (rental income)	3% of principal	1.5% AUM / yr
Private Wealth Index	71 – 91%	$10,000	Monthly	3.5% of principal	$150 flat + 20% over 8%
Aggressive Equity	83 – 112%	$1,000	Monthly	4% of principal	2% AUM + 25% over 15%

05 — Growth Projection

$10,000 Over 12 Months — All Five Strategies

Illustrative projection using each strategy's mean APY with monthly compounding. Fees applied. No early exit.

Capital Preserver — 41% mean APY

Balanced Growth — 59% mean APY

Real Estate Trust — 62% mean APY

Private Wealth Index — 81% mean APY

Aggressive Equity — 97.5% mean APY

06 — Compounding Logic

Why Reinvesting Your Monthly Payout Matters

Withdrawing gives you immediate liquidity. Compounding turns your yield into new principal — and your next month's return is calculated on a larger base. The difference is significant over 12 months.

Withdraw Monthly — No Compounding

$15,900

$10,000 in Balanced Growth at 59% APY — 12 months, payouts withdrawn each month

Reinvest Monthly — With Compounding

$18,040

Same position, payouts reinvested — compounding adds an extra $2,140 at no additional cost

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