Important Considerations:

• APY/APR Variability: Quoted rates for both lending and staking are often estimates and can fluctuate based on market conditions, platform policies, and network parameters.
• Platform Risk: Depositing crypto on any third-party platform (for lending or staking pools) carries risks such as smart contract vulnerabilities, platform hacks, or insolvency.
• Lock-ups & Liquidity: Staking often involves lock-up periods where your crypto cannot be withdrawn immediately. Lending terms vary by platform and loan. Consider your liquidity needs.
• Slashing Risk (Staking): If a validator (either your own or one a pool uses) acts maliciously or is frequently offline, a portion of the staked crypto can be "slashed" (lost) as a penalty.
• Compounding: This calculator assumes the APY you provide already incorporates the effects of compounding as advertised by the platform. Fees are applied to the gross rewards earned from this APY.
• Crypto Price Volatility: The underlying price of the crypto asset itself is volatile. USD value estimates are based on the current price you enter and are for illustration only. The actual USD value of your crypto and rewards can change significantly.

This tool provides estimates and is not financial advice. Always conduct thorough research (DYOR) before making any investment or yield-generation decisions in the crypto space.