Hearth, fees, and HEAT CD yield

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Real yield, not emissions

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Two fee engines

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1) swapXFG (cross-chain)

• Rate: 1% of XFG side (SWAP_FEE_RATE_BPS = 100)
• Split: 69% CD · 11% Bonus Vault · 20% Treasury

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2) Hearth (XFG/HEAT on-chain)

• Rate: 1% (HEARTH_FEE_BPS = 100)
• Split: 100% CD · 0% LP (LPs earn the swap spread, not the fee)

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User path

Mint HEAT from XFG (Hearth TWAP)
  → Lock HEAT CD (6–72 epochs mainnet)
  → Fees from swaps + Hearth accrue to CD pool
  → Withdraw or rollover at maturity

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Epochs

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Superseded claims (do not use)

• Hearth protocol trade fee of 0.3% (live: 1% HEARTH_FEE_BPS, 100% CD / 0% LP)
• Atomic swap fees “80% to CDs only” (live: 69% CD / 11% Bonus / 20% Treasury)
• Opening a CD by locking XFG (live: lock HEAT after mint)

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Further reading

• How Hearth works
• Interest and yield
• Fee pool API