Why 6% stablecoin APY can lose to a $12 round trip

Description and use

The calculator helps users assess net yield from stablecoin staking after accounting for fees.

Problem

Users need to know how much yield survives transaction costs when staking stablecoins.

Outcome

The tool shows that a $12 fee can wipe out net gains from a 6% APY on a $1,000 stake over 30 days, highlighting the importance of fee‑adjusted yield calculations.

Workflow

• 1. Input principal, holding period, base APY, headline APY, and total fees.
• 2. Calculator computes gross yield: principal * (reported_apy/100) * days/365.
• 3. Subtract assumed round‑trip fees to get after‑fees income.
• 4. Display break‑even period and net result.
• 5. Provide historical 30‑day average and TVL for context.

Evidence

I built an open‑source, no‑wallet stablecoin yield reality checker to answer a smaller question: At the reported base rate, how much hypothetical income survives the costs you enter?

Source

$12 total for entry, exit and any bridges/other transaction costs.

Source

The GitHub source is open: https://github.com/livastic-vm3-primary-tmp-260920/stablecoin-yield-reality-check

Source

I have zero verified paying customers for this newly launched tool.

Source