Time-Value Yield
Your idle money earns while it waits. We turn the float — which banks usually keep — into your profit.
The float, returned to you
When £850 sits in your Rent Vault for 20 days, it accrues yield at institutional rates. At 4.0% APY, that's £1.86 in 20 days. Small — but multiply by 12 months and 4 vaults, and it adds up.
The yield is not a gimmick. It's the mathematical consequence of holding money in interest-bearing safeguarded accounts. Banks have always earned this float — we give it back to you.
Your principal is always protected. You can withdraw your money at any time. The only trade-off: early withdrawal forfeits accrued (but uncredited) yield for that cycle. Once yield is credited, it's yours permanently.
Rent Vault yield: 20-day cycle
£850 at 4.0% APY over one payment cycle
Salary deposited, rent vaulted
Balance: £850.00Yield accruing daily
Balance: £850.00Halfway to due date
Balance: £850.00Rent paid + yield credited
Balance: £850.00Monthly yield (all vaults)
~£3.80
at 4.0% APY
Annualised
~£45.60
12 months, 4 vaults
3-year projection
~£140
with monthly compounding
30-day yield accrual
Technical Architecture
Technical Specification
Accrual: daily_yield = vault_balance × (APY / 365) APY: Negotiated institutional rate (target 4.0%) Distribution: At vault release or monthly (user choice) Internal precision: Decimal(4) Display precision: Decimal(2) Forfeiture: Early withdrawal forfeits accrued yield Principal: Always protected, always withdrawable Compounding: Monthly on retained yield
Accrual frequency
Daily
Calculated at midnight UTC
Internal precision
4 d.p.
Displayed as 2 d.p.
Principal
Protected
Always withdrawable