Video Tutorial
We’ll explore two important concepts in the crypto world: APY and APR. Understanding these terms is crucial for making informed decisions about lending, borrowing, and earning interest on your crypto assets. Let’s dive into these concepts and what they mean for your crypto investments.APY: Annual Percentage Yield
First, let’s define APY and APR. APY stands for Annual Percentage Yield. It represents the real rate of return earned on an investment, considering the effect of compounding interest over time. In simple terms, APY shows you how much your investment can grow over a year, considering that the interest earned each period is reinvested. This is especially important in DeFi platforms that frequently compound interest.APY: Annual Percentage Rate
APR, or Annual Percentage Rate, on the other hand, represents the annual rate charged for borrowing or earned through an investment, without considering compounding. It’s a straightforward percentage that helps you understand the cost of borrowing or the amount of yield earned from staking over a year. APR is simpler but does not fully depict potential earnings or costs when compounding is involved.Example
For example, let’s say you deposit 1000 USDC in a staking platform that offers an APR of 15%. You earn roughly 0.041% daily, which amounts to 0.41 USDC per day. If the platform compounds the interest daily, your actual earnings will be higher than 15% over a year, which the APY captures. With an APR of 15%, your investment would grow to 1150 USDC by the end of the year. However, if the interest is compounded daily, your actual return (APY) would be approximately 16.18%, resulting in a balance of about 1161.80 USDC. Even though the difference seems small initially, it can make a substantial impact on larger investments. Understanding these two concepts is vital for making smart decisions in the crypto space. APY helps you gauge the true growth of your investments, while APR gives a clear picture of annual costs or returns without compounding.100% Success Money Back Guarantee
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Frequently Asked Questions
Can I trust Cryptonary's calls?
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What makes Cryptonary different from free crypto content on YouTube or Twitter?
Signal vs noise. We filter out 99.9% of garbage projects, provide data backed analysis, and have a proven track record of finding winners. Not to mention since Cryptonary's inception in 2017 we have never taken investment, sponsorship or partnership. Compare this to pretty much everyone else, no track record, and a long list of partnerships that cloud judgements.
Why is there no trial or refund policy?
We share highly sensitive, time-critical research. Once it's out, it can't be "returned." That's why membership is annual only. Crypto success takes time and commitment. If someone is not willing to invest 12 months into their future, there is no place for them at Cryptonary.
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How does the success guarantee work?
If our approach to the market doesn’t beat the overall crypto market during your subscription, we’ll give you a full refund of your membership fee. No questions asked. For quarterly and monthly subscribers this is applicable once your subscription runs for 6 consecutive months.
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