Cat-14 · T164 · Embedded Finance & BaaS Infrastructure

Wallet Float Yield Estimator

Calculate float revenue on stored value balances. Model gross yield vs. reserve drag, FDIC pass-through benefit, dormancy impact, and net treasury yield in basis points and dollar terms. Rate sensitivity analysis across Fed Funds scenarios. Outputs Markdown treasury memo.

Float Yield Fed Funds Stored Value Zero PII Client-Side v1.0
Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
Float Parameters
4.50%
Spread above/below Fed Funds (MMF, T-Bills, IOER)
% meeting documented FDIC pass-through requirements
Liquidity buffer — earns zero or short-duration yield
Dormant balances may require escheatment provisioning
Custodian / sweep programme management fee
Configure parameters and click Estimate Float Yield