New · 2025 Prospectuses Available
— Five strategies, up to 112% annual return ·
Capital Preserver · Balanced Growth · Real Estate Trust · Private Wealth Index · Aggressive Equity
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Return Calculator
Select a strategy, your lock period, and investment amount to see a live projection of your returns. All figures use confirmed APY rates from the 2025 prospectuses.
Projected Returns
Annual Yield at 37% APY
$1,850
before management fee deduction
Per Hour
$0.21
accrues from Day 1
Per Day
$5.07
24-hour accrual
Monthly Credit
$154
credited 1st of month
Lock End Total
$6,850
principal + yield
3-Year Compounded Projection (if yield reinvested monthly)
| Period | Opening Balance | Total Yield | End Balance |
|---|---|---|---|
| Year 1 | $5,000 | $1,850 | $6,850 |
| Year 2 | $6,850 | $2,535 | $9,385 |
| Year 3 | $9,385 | $3,472 | $12,857 |
Projections are illustrative only and based on stated APY rates. Past performance is not a guarantee of future returns. Management fees are not reflected in these figures — see the strategy prospectus for the exact fee deduction methodology.
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How It Works
Understanding Your Projected Returns
These projections reflect how yield accrues on the Halofinity platform. Each figure is directly derived from the confirmed APY rates in the 2025 strategy prospectuses.
01
Hourly Accrual from Day 1
Yield begins the moment your position opens at 00:00 UTC the next business day after your deposit clears. Formula: invested × (APY ÷ 100) ÷ 8,760 per hour — running every hour, around the clock.
02
Monthly Balance Credit
On the 1st of each calendar month, all accrued yield from the prior month is consolidated into your withdrawable balance. You can withdraw it, reinvest it into an existing position, or open a new one — compounding your returns.
03
Lock Period & APY Rate
Your lock structure determines your APY tier. Flexible positions earn the base rate. 90-day, 6-month, and annual positions earn progressively higher rates. The rate is locked at position opening and cannot change for the position's duration.
04
Compounding via Reinvestment
The 3-year projection above assumes monthly yield is reinvested — each new month's yield accrues on a larger principal. This is not automatic: you must actively reinvest each monthly credit. The more consistently you reinvest, the closer your outcome approaches the projected figure.
Strategy Comparison
APY Rates Across All Strategies & Lock Tiers
Use this table to compare strategies side by side. All rates are sourced directly from the Q4 2025 prospectuses.
| Strategy | Min Investment | Flexible | 90-Day | 6-Month | Annual | Mgmt Fee |
|---|---|---|---|---|---|---|
| Capital Preserver | $500 | 37% | 40% | 42% | 45% | 1.5% |
| Balanced Growth | $1,000 | 51% | 57% | 61% | 67% | 2.0% |
| Real Estate Trust | $5,000 | 53% | 60% | 64% | 71% | 2.5% |
| Private Wealth Index | $10,000 | 71% | 79% | 85% | 91% | 3.0% |
| Aggressive Equity | $1,000 | 83% | 94% | 101% | 112% | 4.0% |
Rates as of Q4 2025. Annual lock delivers the peak APY for each strategy. Management fee is deducted monthly pro-rated from accrued yield before crediting — not from principal.
The Numbers Look Good. Let's Make Them Real.
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