Reward calculator
There is nothing proprietary about the maths. Here it is in full, with worked examples at three balance sizes — then the interactive version to try with your own numbers.
The formula
Fixed-term reward is proportional interest. You can reproduce every figure in the app with a four-function spreadsheet:
total returned = amount + reward
Two consequences of that formula are worth stating explicitly, because they shape every decision that follows:
- Reward is linear in the amount. The percentage you earn does not depend on how much you stake, so a single table describes every balance.
- Reward is linear in time. A 180-day term pays exactly 18× a 10-day term at the same rate — and because the longer term also carries a higher rate, it pays considerably more in absolute terms.
Worked examples
Take 10,000 USDT on the 30-day plan: 10,000 × 0.172 × 30 ÷ 365 = 141.37 USDT, for a total of 10,141.37 USDT at maturity.
| Term | APR | Reward / 10,000 | Reward / 100,000 | Reward / 1,000,000 |
|---|---|---|---|---|
| 10 days | 14.20% | 38.90 USDT | 389.00 USDT | 3,890.00 USDT |
| 30 days | 17.20% | 141.37 USDT | 1,413.70 USDT | 14,137.00 USDT |
| 90 days | 19.40% | 478.36 USDT | 4,783.60 USDT | 47,836.00 USDT |
| 180 daysBest rate | 21.60% | 1065.21 USDT | 10,652.10 USDT | 106,521.00 USDT |
Reading the table
Compare two columns of the same row and the trade-off is immediate. At 10,000 USDT the difference between the shortest and longest term is 1,026.31 USDT over half a year. Whether that is worth the commitment is a personal call about timing, not a question about the maths.
How this compares to flexible DeFi
Fixed-term USDT staking is not the only way to earn on a stablecoin, and it is not always the best. The honest comparison is:
- Better rate, longer commitment. You give up the ability to withdraw at will in exchange for a materially better rate over a fixed window.
- A known end date. You know exactly when principal and reward arrive, which is much easier to plan around than a variable rate that can change daily.
- No impermanent loss. You are not supplying liquidity to a pool, so there is no divergence between what you deposit and what you withdraw.
- No contract to evaluate. The position is an ordinary balance in your own wallet, not a deposit into a protocol whose code you have to trust.
Try it with your own numbers
The interactive calculator lets you drag the amount, switch terms without leaving the section, and hover the growth curve to read the projected value at any specific day.
Network fees for the staking and unstaking transactions are set by the network and are not included in the figures above. They are shown to you in the app before you confirm a transaction. Reward itself is not taxed by the platform — your own tax position depends on where you live.