Model how much a seller earns by reinvesting their USDC pool on every sale — compounded over a full year. Drag the slider to explore different yield rates.
Starting capital $1,000 USDC
Yield per sale 3.0%
Sale frequency Every 3.5d
Sales per year ~104 transactions
Sales per month ~8.6 transactions
Compounding Each sale
Yield rate per transaction
3.0%
per sale
Redeposit frequency
3.5
days between sales
Effective Annual APY
—
Compounded per transaction
—
Year-end balance
—
Starting from $1,000 USDC
Monthly yield (month 1)
—
— in 30 days
Portfolio Growth Over 12 Months
Balance curve with compounded yield per sale, ~8.6 sales/month
BalanceCumulative yieldPrincipal
Month-by-Month Breakdown
Month
Balance
Cumulative Yield
Monthly Yield
Growth vs. $1,000
Total Return
The annual picture
—
Yield earned on $1,000 over 12 months. That's a — effective APY — powered entirely by reinvesting proceeds from each Zelle sale back into the pool.
Why it compounds so fast
~104×
Sales per year. Each transaction earns on the full running balance. By month 6, the pool reaches —; by month 9, —. The curve is exponential.