Interest and yield

Source of yield

HEAT CD interest comes from protocol revenue, not inflation. There are exactly two protocol earnings streams:

Stream	Rate	CD-relevant share
Atomic swap fee (SwapXFG TUI / DeXFG tab)	1% initiation + 1% claim = 2% per swap (`SWAP_FEE_RATE_BPS`)	69% → CD yield (`SWAP_FEE_CD_SHARE_PCT`)
Hearth swap fee (on-chain Hearth DEX)	1% per trade (`HEARTH_FEE_BPS`)	Hearth routing → CD yield accumulator

Atomic swap remainder: 11% Bonus Vault, 20% Treasury. More swap + Hearth volume → more yield. Quiet periods → lower yield. No fixed APY guarantee.

Not protocol earnings

Mint premium — none. HEAT_MINT_PREMIUM_BPS = 0; goes nowhere.
CD creation fee — 0.1% of CD amount, donated to @fuegoxfg (Fuego Development Fund). Not CD yield, not treasury.

Epoch distribution (conceptual)

your_interest ≈ (your_HEAT_CD / total_HEAT_CDs) × CD_fee_share_for_epoch

Exact formulas live in Currency::calculateCdInterest and blockchain fee-pool accounting. Loyalty / tier bonuses may adjust effective yield where enabled.

Privacy

Principal and accrued interest remain under commitments. Observers see existence and maturity, not amounts.

Estimating yield

curl -X POST http://127.0.0.1:28080/estimate_cd_yield \
  -H 'Content-Type: application/json' \
  -d '{
    "amount": 100000000,
    "creation_height": 0,
    "current_height": 0
  }'

Atomic units: 1 XFG/HEAT coin = 10,000,000 (COIN).

Fee pool info

curl -X POST http://127.0.0.1:28080/get_fee_pool_info \
  -H 'Content-Type: application/json' \
  -d '{}'

Claiming interest

Interest is claimed on withdraw or rollover, not as a separate “claim rewards” drip. The spend includes claimedInterest validated against the pool.

Do not cite

“0.3% LP fee funds CDs” — wrong
“100% of swap fees to CDs” — wrong (69%)
“80/20 only” — outdated vs 69/11/20

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Interest and yield

Source of yield

Not protocol earnings

Epoch distribution (conceptual)

Privacy

Estimating yield

Fee pool info

Claiming interest

Do not cite

​Source of yield

​Not protocol earnings

​Epoch distribution (conceptual)

​Privacy

​Estimating yield

​Fee pool info

​Claiming interest

​Do not cite

Source of yield

Not protocol earnings

Epoch distribution (conceptual)

Privacy

Estimating yield

Fee pool info

Claiming interest

Do not cite