DS
v1.0

Cover Cost Analysis

Analyze how cover costs impact APY across different term lengths and tiers.

Cover Cost Analysis

3D View (experimental)
$
$10,000$1,000,000
$
$4 (1 gwei)$80 (20 gwei)
%
1%50%
days
28 days365 days
Renewals per year: 2.03

APY Impact By Tier

Entry Tier
Annual Renewals: 2.03|Annual Gas Cost: $40.56
Net APY Range: 9.20% to 9.44%
Current Net APY with 180 day term:9.42%
APY Reduction: 0.58%
Cover Cost: 0.54%($540/year)
Gas Cost: 0.04%($40.56/year)
Essential Tier
Annual Renewals: 2.03|Annual Gas Cost: $40.56
Net APY Range: 7.25% to 7.49%
Current Net APY with 180 day term:7.47%
APY Reduction: 2.53%
Cover Cost: 2.49%($2,490/year)
Gas Cost: 0.04%($40.56/year)
Elite Tier
Annual Renewals: 2.03|Annual Gas Cost: $40.56
Net APY Range: 6.31% to 6.55%
Current Net APY with 180 day term:6.53%
APY Reduction: 3.47%
Cover Cost: 3.43%($3,430/year)
Gas Cost: 0.04%($40.56/year)

Net APY Comparison By Term Length

This chart shows the current deposit amount: $100,000 with gas price: $20

The graph displays how term length affects net APY for each tier. Adjust deposit amount and gas price sliders to see how they impact APY across different term lengths.

Deposit vs APY Range

This chart is affected by current gas price: $20

The APY range shows minimum and maximum APY across different term lengths, with the current gas price. Adjust the gas price slider to see how it impacts the APY range.

This chart shows how your net APY changes based on deposit amount. The lines represent the minimum and maximum APY across different term lengths.

For smaller deposits, gas costs have a larger impact, creating a wider gap between minimum and maximum APY depending on term length.

Full Cost Breakdown

TierCover Cost
(per term)		Gas Cost
(per tx)		Annual
Renewals		Annual
Gas Cost		Annual
Cover Cost		Cover
APY Loss		Gas
APY Loss		Net APY
Entry$266.3$202.03$40.56$5400.5400%0.0406%9.4194%
Essential$1,227.95$202.03$40.56$2,4902.4900%0.0406%7.4694%
Elite$1,691.51$202.03$40.56$3,4303.4300%0.0406%6.5294%

Key Insights

  • Short term coverage requires more frequent renewals, significantly increasing annual gas costs (e.g., monthly renewals cost $240 in gas per year).
  • For small deposits ($10,000), gas costs from renewals can substantially reduce effective APY.
  • At your current deposit of $100,000, the Entry tier with a 2.03-renewal strategy reduces your 10.0% APY by 0.58%.
  • Longer terms (e.g., annual) minimize gas costs but may be less capital-efficient if you withdraw funds early.
  • The Entry tier preserves significantly more of your investment APY compared to Elite tier at all term lengths.