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COMPLETE GUIDE

How Yieldable Works

Everything you need to know about deposits, interest, compounding, and withdrawals—explained clearly with real examples.

STEP 1

💰 Making Your First Deposit

Your journey starts here. Deposit funds to begin accruing daily interest.

Deposit Rules

Minimum
$200
Maximum
$10,000
Per Transaction
Yes

What Happens When You Deposit?

1

You Send Funds

Connect wallet and deposit $200 - $10,000 USDC

2

On-Chain Confirmation

Transaction is recorded on the blockchain

3

Investment Balance Updated

Your balance is credited and starts accruing interest immediately

📝

Example: First Deposit

You deposit: $1,000 USDC

Investment Balance: $1,000

Interest Balance: $0

Daily Rate: 0.50% (Tier 1: $1 - $50K)

Daily Interest: $1,000 × 0.50% = $5.00/day

💡 Good to Know

  • No lock period: You can withdraw anytime (fees decrease weekly, 0% after 29 days)
  • Multiple deposits: You can make additional deposits later to grow your balance
  • Instant accrual: Interest starts from the moment your deposit is confirmed
STEP 2

📈 Accruing Daily Interest

Your Investment Balance earns interest every single day, automatically.

Daily Interest Rate Tiers

Your rate depends on your total Investment Balance. Higher balance = lower rate (but more total interest!).

Balance Range
Daily Rate
Monthly (30d)
Yearly (365d)
$1 - $50,000
0.50%
~15%
~182%
$50,001 - $250,000
0.45%
~13.5%
~164%
$250,001 - $500,000
0.40%
~12%
~146%
$500,001+
0.25-0.35%
~7.5-10.5%
~91-128%

How Interest Accrues

Investment Balance
$1,000
Earns interest
Daily Rate: 0.50%
Interest Balance
+$5.00
Added daily (separate bucket)

Key Points:

  • Separate buckets: Investment Balance and Interest Balance are tracked separately
  • Daily calculation: Interest = Investment Balance × Daily Rate
  • $25,000 cap: Interest stops accruing when Interest Balance reaches $25,000
  • Automatic: No action needed—interest accrues every day automatically
📊

Example: 30-Day Interest Growth

Starting Investment Balance: $1,000

Daily Rate: 0.50%

Daily Interest: $5.00

Day 1
$5.00
Day 7
$35.00
Day 14
$70.00
Day 30
$150.00

After 30 days: Investment Balance = $1,000 | Interest Balance = $150

⚠️ Interest Cap

When your Interest Balance reaches $25,000, accrual pauses. You must either:

  • Withdraw some or all of your Interest Balance, or
  • Compound by making an Additional Deposit (≥$200) to merge Interest into Investment Balance
STEP 3

🔄 Compounding Your Interest (Optional)

Accelerate your growth by merging your Interest into your Investment Balance.

How to Compound

Make an Additional Deposit of ≥ $200. The system automatically merges your Interest Balance + New Deposit into your Investment Balance.

Before Compounding

Investment Balance
$1,000
Interest Balance
$150
You deposit $200

After Compounding

New Investment Balance
$1,350
($1,000 + $150 + $200)
Interest Balance
$0

Why Compound?

📈

Higher Daily Interest

Larger Investment Balance = more daily interest earned

Exponential Growth

Interest earns interest, accelerating your returns

🔄

No Timer Impact

Compounding doesn't reset your withdrawal timer - keep your progress!

📊

Example: Compound vs No Compound (90 Days)

❌ Without Compounding

Day 0: $1,000 Investment

Day 30: $1,000 Investment + $150 Interest

Day 60: $1,000 Investment + $300 Interest

Day 90: $1,000 Investment + $450 Interest

Total Value: $1,450

✅ With Compounding (Every 30 Days)

Day 0: $1,000 Investment

Day 30: Compound $200 → $1,350 Investment

Day 60: Compound $200 → $1,757 Investment

Day 90: Compound $200 → $2,219 Investment

Total Value: $2,219

Difference: +$769 (53% more!)

💡 Compounding Tips

  • Minimum $200: Additional deposits must be at least $200 to trigger compounding
  • Automatic merge: System automatically adds Interest + Deposit to Investment Balance
  • No timer reset: Compounding does NOT reset your withdrawal timer (only withdrawals reset it)
  • Optional: You can also just withdraw your Interest instead of compounding
STEP 4

💸 Withdrawing Your Funds

Access your Interest anytime. Fees apply based on how long since your last withdrawal.

Withdrawal Rules

Maximum Per Transaction
$25,000
What You Can Withdraw
Interest Balance
Fee-Free After
29 Days

Stability Fee Framework

Fees decrease each week after your last withdrawal and support platform stability. Wait 29 days for FREE withdrawals.

Week 1 Days 1–7
40%
Week 2 Days 8–14
30%
Week 3 Days 15–21
20%
Week 4 Days 22–28
10%
Week 5+ Day 29+
0% FREE

How It Works:

  • Timer starts: From your last withdrawal (or first deposit if never withdrawn)
  • Fees apply: Only to the amount you withdraw, not your entire balance
  • Fees go to: Platform Stability Reserve (protects liquidity)
  • After 29 days: Withdraw anytime, any amount (up to $25K), completely FREE
💡
Scenario 1: Early Withdrawal (Day 5)

Before: Investment $1,000 + Interest $100

You withdraw: $100 Interest

Fee: 30% = $30

You receive: $70

After: Investment Balance: $900

Scenario 2: Week 2 Withdrawal (Day 10)

Before: Investment $1,000 + Interest $200

You withdraw: $200 Interest

Fee: 20% = $40

You receive: $160

After: Investment Balance: $800

Scenario 3: After 28 Days ✅

Before: Investment $1,000 + Interest $500

You withdraw: $500 Interest

Fee: 0% = $0

You receive: $500 (100%!)

After: Investment Balance: $500

⚠️ Full Exit (Withdraw Investment Balance)

Want to withdraw your Investment Balance (not just Interest)? This is called a "Full Exit" and has special rules:

  • Requires approval: Must be manually approved by platform
  • 50% fee: High fee to protect platform liquidity
  • Rare use case: Most users only withdraw Interest, not Investment Balance

Tip: Plan to stay invested for at least 29 days to maximize your returns and avoid fees!

💚 Smart Growth Strategy

Best Practice: Compound your Interest by making Additional Deposits (≥$200) to grow your Investment Balance exponentially!

Example - Compounding Strategy:

• Day 0: Deposit $1,000 → Investment Balance: $1,000

• Day 1-28: Accrue $140 Interest → Interest Balance: $140

• Day 28: Deposit $200 → Merges with $140 Interest → Investment Balance: $1,340

Result: Your balance GROWS instead of shrinks!

• Day 29-56: Your $1,340 earns even MORE daily interest

• Repeat every 28+ days for exponential growth!

If you need income - Partial Withdrawal Strategy:

• Wait 28+ days for 0% fee

• Withdraw ONLY what you need for expenses

• Keep the rest invested to maintain your balance

• Or combine: Withdraw some + Deposit extra to compound the rest

📊 Real-World Strategy Examples

Smart strategies that leverage the system: Deposits have NO fee, only withdrawals do!

⚖️ Balanced Growth

Monthly Compound + Monthly Claim

Best of both worlds: Deposit monthly to compound, claim monthly for steady income.

Day 0 Deposit $5,000 → Balance: $5,000
Day 28 Claim $700 (0% fee) → Balance: $4,300
Day 30 Deposit $500 → Merge $86 Interest → $4,886
Day 58 Claim $683 (0% fee) → Balance: $4,203
Day 60 Deposit $500 → Merge $84 Interest → $4,787
Day 88 Claim $670 (0% fee) → Balance: $4,117
Day 90 Deposit $500 → Merge $82 Interest → $4,699

90-Day Result:

Investment Balance: $4,699

Total Deposited: $6,500 ($5K + $1.5K)

Total Claimed: $2,053

Steady growth + $2,053 monthly income!

📈 Pure Growth

Compound Only - No Withdrawals

Maximize growth by depositing every ~21 days to compound interest without any withdrawals.

Day 0 Deposit $5,000 → Balance: $5,000
Day 21 Deposit $200 → Merge $525 Interest → $5,725
Day 42 Deposit $200 → Merge $601 Interest → $6,526
Day 63 Deposit $200 → Merge $686 Interest → $7,412
Day 84 Deposit $200 → Merge $779 Interest → $8,391
Day 90 Deposit $200 → Merge $250 Interest → $8,841

90-Day Result:

Investment Balance: $8,841

Total Deposited: $6,000 ($5K + $1K)

Interest Compounded: $2,841

+46% growth in 90 days!

💰 Passive Income

Steady Income Strategy

Balance growth and income: Small deposits to maintain balance, regular claims for income.

Day 0 Deposit $5,000 → Balance: $5,000
Day 28 Claim $700 (0% fee) → Balance: $4,300
Day 35 Deposit $500 → Merge $150 Interest → $4,950
Day 63 Claim $693 (0% fee) → Balance: $4,257
Day 70 Deposit $500 → Merge $149 Interest → $4,906
Day 90 Deposit $500 → Merge $98 Interest → $5,504

90-Day Result:

Investment Balance: $5,504

Total Deposited: $6,500 ($5K + $1.5K)

Total Claimed: $1,393

Balance maintained + $1,393 income!

💡 Pro Strategy Tips

  • Deposits have NO fee: You can deposit anytime without penalty
  • Compound regularly: Deposit every ~21-30 days to maximize exponential growth
  • Every deposit compounds: Interest Balance automatically merges with Investment Balance
  • Wait 28+ days to claim: Avoid withdrawal fees (30% → 20% → 10% → 0%)
  • Monthly cycle works best: Claim monthly for income, deposit to maintain/grow balance
  • Minimum deposit $200: Perfect for regular compounding cycles

Ready to Start Earning?

Join Yieldable today and start accruing daily interest on your investment.

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