The math
Two sources of return. One balance.
A Mintware market earns trading fees while your capital is in the pool, and lending yield while it waits beside it. Move the sliders to see what that blend earns at today’s rates.
Illustration at today’s rates, not a forecast or a promise. It leaves out impermanent loss, price moves, gas and fees. Mintware markets run on testnet today. Lending and pool fees: DefiLlama, 30-day averages. T-bills: FRED. Savings: FDIC national average.
Where the return comes from
Every dollar has a job, and never sits still.
Trading fees.
When the market is busy, your capital sits in the pool and earns a share of every trade — the income market makers have always kept for themselves.
Idle yield.
When it isn’t needed in the pool, the same capital earns in a curated lending market instead of sitting dead.
Why the blend wins
Fees plus yield beats either one alone.
Lending alone is steady but modest. A pool alone earns well when it trades and nothing when it doesn’t. Blending the two means the busy hours earn fees and the quiet hours still earn yield — so the balance keeps working through both. Capital in a pool carries price risk, including impermanent loss, and no rate here is promised.
Market-maker income on the busy days. Lending yield on the quiet ones.
The numbers behind it