- Prepaid credits earn interest at the full SOFR rate, compounded daily, and interest is added to the prepaid balance.
- Interest applies only to purchased prepaid credits, not to free trial or promo credits.
- The rate is never negative; if SOFR goes below zero, interest stops at zero.
- Calculated using daily accrual on an ACT/360 day-count, with daily compounding and banker's rounding.
- Example: $10,000 at 4.31% yields about $1.20 on the first day and roughly $440 over a year (4.40% APY).
- Eligibility is automatic for any organization with a positive prepaid balance; no opt-in or minimum required.
- Interest details are visible on the My Organization page, including lifetime interest, current rate/APY, and SOFR rate.
- Daily accrual is fully auditable via ledger rows and audit stream entries.