LIVE · READING THE CHAIN…
Deviation
The standard way pays you nothing, or pays you by shrinking your bank. The deviation pays you every week and keeps the bank whole.
The pool is modelled to return about +000% in $STANDARD over twelve months. Put into it, 5 ETH is paid about 00,000 $STANDARD in the year, in weekly dividends, and what you put in is back in about 0 months.
When the year ends your units are still yours and still earning: about 00,000 more, at the value the pool pays anyone who leaves. Held, the same ETH is paid nothing. Run as a bank of your own, it buys a charter and one branch, which pays only if you close the bank.
Only the pool pays you and keeps the bank.
The poolPaid every week from about 0 months in, out of rotations that keep every branch standing. It buys, rotates and pays by published rules, with nothing for you to run.
Your own bankPaid only when you retire branches, and each one retired stops earning. It needs a charter first, about 0.0 ETH, then daily check-ins, auctions and retirements.
Held $STANDARDPaid nothing today: Standard pays its issue to banks, not to holders. Its S-Bills, coming soon, will pay a premium from the Reserve’s buybacks on $STANDARD locked for fifteen-day terms, at a rate that falls as more is locked. The pool’s dividends arrive as $STANDARD, so members can stake them too.
How the pool pays you.
Standard Reserve issues $STANDARD to its banks every day, an equal share to every branch. It builds up inside each bank as a balance, and the Reserve releases it only when branches are retired. A retired branch is destroyed, so a banker who takes their earnings the usual way ends up with a smaller bank.
The pool rotates instead. Whenever a new licence costs little enough against what its branches have built up, it retires a few branches and buys as many back in the same transaction, paid from the bank’s own balance. The earnings come out and the bank keeps its size. What the retirement released is paid to members as $STANDARD in equal weekly instalments until the next one, with any withdrawals paid first.
A 5 ETH year, month by month.
Day one
Your 5 ETH buys a share of the bank new money is building: a charter from Standard’s charter auction, then its licences, three a day, until it holds ten branches. Until a purchase spends it, your ETH stays yours and refundable.
The first months
Every branch earns from its first day. Nothing is paid yet: the earnings build up inside the bank until a licence is cheap enough against them to rotate.
From about 0 months
The first rotation, and weekly $STANDARD dividends from then on.
About 0 months
The dividends add up to what you put in.
Twelve months
About 00,000 $STANDARD paid to you, and your units still worth about 00,000, with every branch still earning.
At any amount, the pool pays a whole bank’s rate.
A charter costs the same however many branches sit on it, so a bank of your own pays well only when it is full, about 00.0 ETH today, and not at all until you can buy one. The pool spreads each charter across all its branches and all its members, so every member is paid at the rate of a whole bank from the first ETH.
$STANDARD could fall 00% and 1 ETH through the pool would still come back as 1 ETH.
The pool’s return is in $STANDARD and does not depend on its price: the Reserve issues a fixed amount and prices its licences in it. At today’s price, 1 ETH through the pool becomes about 0.0 ETH in a year, against about 0.00 ETH held. Held, the price would have to rise 0% just to break even.
Everything the estimate leaves out would raise it.
It counts nothing for what the banks earn after the year. It prices every licence at the sale’s average, although the pool buys late in each sale, when licences are cheapest. It pays the most the pool will for a charter, 5% over the last sale, and it holds issuance where it is, although it rises as ETH flows in. Relax any one of them and the return goes up.
What you own, and how you leave.
What a purchase spends becomes units, recorded against your wallet. Joining and leaving use the same value per unit: the pool’s charters and branches at what it paid for them, and the earnings in its banks less the Reserve’s fee. Units cannot be transferred.
To leave, you ask for your units to be paid out. Withdrawals are paid in $STANDARD from what the pool releases, first in line each week. It can take several weekly rounds while the pool releases little; it is never priced lower than joining.
Read from the chain as you read this.
Right now 0 branches earn 0,000 $STANDARD a day for members, with 00,000 built up in their banks, still to be paid out. The next bank is 00% funded: .
Held by contract, run in the open.
Every charter the pool buys is held by its charter reserve, a contract with no function to move it out, and the genesis charter, 729, is held for the pool in the founder’s wallet.
Every purchase, rotation and payout is on chain, and the app shows each one. The pool runs by published rules, automatically, and they change only with seven days’ public notice.
What you get, and what it costs you.
Paid every week, in $STANDARD.
So its value in ETH moves with $STANDARD’s price.
A banker’s share at any size.
The pool takes 10% of realised profit, never of capital coming back.
A bank that stays whole.
The first payout waits for a bank’s first rotation, a few months after it is bought.
One value per unit, in and out.
Leaving is paid from what the pool releases, over weekly rounds.
For anyone without a full bank, or the time to run one.
With less than a full bank’s worth of ETH, about 00.0 today, the pool is the only way to be paid a banker’s share. With more, a bank of your own can match it, if you run the pool’s strategy by hand every day and never miss a check-in.
Not for someone who needs their ETH back quickly, or who wants to be paid in ETH.
How the figures are calculated.
Every figure on this page comes from one reading of the chain, taken as the page loads and again each minute, and run through the pool’s own estimator, the one its app shows.
What 5 ETH buys
New money buys the next bank: a charter at Standard’s charter auction, which comes with the bank’s first branch, then its licences, three a day, until it holds ten branches. The model pays the most the pool will for the charter, 5% over the last sale: about 0.00 ETH, against 0.00 ETH at the last sale. Every licence is priced at the latest sale’s average, 0,000 $STANDARD, and the 3% cost of swapping ETH for $STANDARD counts as money put in.
How the bank earns and pays
The Reserve issues 000,000 $STANDARD a day, shared equally by its 0,000 branches. The model runs the bank day by day. Whenever a licence costs little enough against what a branch has built up, at most the square root of 0.15% times the licence’s price in days of one branch’s earnings and never more than 25%, the pool retires three branches and buys three back from the bank’s own balance. What they release, less the Reserve’s 2% exit fee, is paid out in equal weekly instalments until the next rotation.
How far the Reserve grows
More branches share the same issue. The model adds branches at the latest pace, 00 a day, until half of the Reserve’s charters hold all ten of theirs, counting the charter its auction adds every twelve hours: about 0,000 branches after a year. If every charter filled, the heaviest dilution its rules allow, the return would still be about +00%.
What counts at the year’s end
The return is what the pool paid out plus what your units are then worth at its own value per unit, the value new money pays to join and anyone who leaves is paid: each charter and licence at what it cost, and the earnings in its banks after the Reserve’s fee. The pool’s fee, 10% of profit, comes out of the whole; capital coming back carries none.
Your own bank, and holding
Your own bank is a charter at the last sale’s price and the licences the rest of your ETH buys, with no pool fee. It is paid the way the Reserve pays every banker, by retiring branches, at the same moments and in the same numbers as the pool, and it never buys them back. Held $STANDARD is the same ETH swapped in after the Reserve’s 2% buy tax and the market’s 1% fee, and kept; it is modelled unstaked until S-Bills open.
In ETH
Out of the pool, $STANDARD is sold back to ETH after the Reserve’s 3% sell tax and the market’s 1% fee. So 1 ETH through the pool becomes (1 + the return) × 0.96 ETH, times however far $STANDARD’s price has moved: about 0.0 ETH at today’s price.
What could move them
The Reserve’s issuance rises and falls with the flow of ETH through its market, and the model holds it where it is. The Reserve’s owner can change how many licences and charters it sells and what it taxes. The figures assume the pool runs by its published rules; its contracts are upgradeable, and they have not yet had an independent audit. An estimate, not a promise.