The interest rates we advertise are annual interest rates, so each week on Friday at 11:00:00 we calculate all interest according to prices at that moment.

**Our interest calculation schedule is as follows:**

- Interest accrual period: Friday 05:00:00 UTC to Friday 04:59:59 UTC.
- Interest calculation price snapshot: Friday 11:00:00 UTC
- Interest payment day: Monday, no set time.

**Interest in-kind example:**

- BTC price: $13,000
- Interest rate on BTC: 6.10%
- BTC deposit balance: 2.3

2.3 BTC * 0.0610 = 0.1403 BTC per year

0.1403 / 52 = 0.002698 BTC per week

0.002698 BTC ($35.07) paid out this week.

**Interest in CEL example: (Platinum Loyalty Level, +30%)**

- BTC price: $13,000
- Interest rate on BTC: 7.625% (6.1 + 30% = 7.93)
- BTC deposit balance: 2.3
- CEL price: $0.10

2.3 BTC = $29,900

29,900 * 0.0793 = $2371.07 per year

2371.07 / 52 = $45.5975 per week

45.5975 / 0.10 = 455.975 CEL tokens (worth 0.0033 BTC/$45.5975) paid out this week.

*All prices used above are examples and do not reflect real market value.