What Is Interest Earned Ratio and Why It Actually Matters

What is interest earned ratio? The interest earned ratio is the total interest you've earned divided by the capital you deployed, measured over a specific time period. In crypto, this metric reveals your actual yield efficiency—not just what an APY figure promised, but what your strategy delivered after compounding, fees, and capital allocation decisions.

Most crypto investors track APY. They compare platform rates, chase double-digit numbers, and assume higher percentages equal better returns. But APY alone tells you nothing about real performance. It doesn't account for compounding frequency, withdrawal fees, capital sitting idle during rebalancing, or the difference between advertised rates and realized gains.

The interest earned ratio cuts through the noise. It answers one question: For every dollar I deployed, how much interest did I actually earn? A portfolio showing 12% APY might deliver a 0.09 interest earned ratio (9% actual return) after fees and downtime. Another portfolio at 10% APY could achieve a 0.11 ratio through daily compounding and zero withdrawal friction. The ratio reveals which strategy worked harder for your capital.

This metric matters even more in 2026. As DeFi matures and strategies grow more complex—automated yield strategies now span liquid staking, delta-neutral farming, and algorithmic rebalancing—comparing raw APY figures becomes meaningless. The interest earned ratio accounts for execution quality, not just theoretical yield.

Why APY Tracking Fails Crypto Investors

APY assumes perfect conditions: continuous compounding, zero fees, no slippage, and stable rates. Real crypto yield never works that way. Rates fluctuate hourly. Gas fees eat into small deposits. Platforms charge withdrawal fees. Capital sits idle during strategy transitions. Your 15% APY estimate might deliver 11% actual returns—or 8% if you timed entries poorly.

Absolute returns—"I made $1,200 this year"—don't tell you if that's good or bad. Did you deploy $10,000 or $50,000? For three months or twelve? The interest earned ratio contextualizes performance. A $1,200 gain on $10,000 deployed for six months equals a 0.24 ratio (24% annualized)—strong execution. The same $1,200 on $50,000 over twelve months is a 0.024 ratio (2.4%)—you'd have done better in U.S. Treasuries.

Platforms that publish live APY ranges help, but you still need to track realized returns. EarnPark's yield calculator lets you model scenarios with different deposit sizes and time horizons, but your personal interest earned ratio depends on when you entered, how often you compounded, and whether you stuck to the strategy or panicked during volatility.

Interest Earned Ratio vs. APY vs. Absolute Returns

Consider three hypothetical portfolios deployed in 2026. Each investor targets yield, but measures success differently. The table below shows how the same capital and time period can look wildly different depending on your metric:

Key insight: Portfolio C earned the most in absolute terms ($8,200), but Portfolio B achieved the highest interest earned ratio (0.135) over a full year. Portfolio A's ratio (0.108) fell short of its 12% APY due to compounding delays and a 1.5% withdrawal fee. The ratio reveals execution quality—not just promise, but delivery.

How the Ratio Accounts for Real-World Friction

The interest earned ratio captures three factors APY ignores: compounding frequency, fee impact, and capital efficiency. Daily compounding at 10% APY delivers a higher ratio than monthly compounding at 10%. A strategy with 15% APY but 2% withdrawal fees will underperform a 13% APY strategy with zero exit costs. And capital sitting in a wallet for two weeks while you research new platforms drags your ratio down—those were earning days you lost.

Let's run concrete examples. You deploy $10,000 into a stablecoin strategy at 10% APY, compounded daily, for twelve months. Zero fees. Your interest earned ratio at year-end is approximately 0.1052 (10.52%)—the effect of continuous compounding. Now add a 1% deposit fee and 1% withdrawal fee. Your ratio drops to roughly 0.0852 (8.52%). The APY stayed the same, but your actual return fell 20%.

Scale up to $50,000. Same 10% APY, same fees. Your interest earned ratio remains 0.0852, but the absolute dollar impact stings more: you paid $500 in fees on entry and another $525 on exit (1% of principal plus earned interest). A higher capital base doesn't improve your ratio—it just magnifies the cost of inefficiency.

At $100,000, fee percentages become negotiation points. Some platforms waive fees above certain thresholds. If you secure zero-fee execution on that $100,000 at 10% APY with daily compounding, your interest earned ratio hits 0.1052—the same as the $10,000 portfolio without fees. Capital efficiency and fee optimization matter more as your portfolio grows.

Why This Matters for Your 2026 Strategy

Tracking your interest earned ratio forces discipline. It turns yield farming from speculation into performance measurement. You can't hide behind APY estimates or blame "the market" when your ratio lags. Either your strategy worked, or it didn't. Either you deployed capital efficiently, or you left money on the table.

The latest data from 2026 shows institutional allocators now benchmark managers on realized yield ratios, not advertised rates. Retail investors should do the same. Calculate your ratio monthly. Compare it to your target APY. If you're consistently under-earning, investigate: Are fees too high? Is your compounding schedule suboptimal? Are you chasing rate hype instead of execution quality?

In the next chapter, we'll walk through exactly how to calculate your real interest earned ratio step-by-step, including how to account for multiple deposits, partial withdrawals, and shifting capital across strategies. You'll learn to measure what actually happened—not what a marketing page promised.

How to Calculate Your Real Interest Earned Ratio in 2026

What is interest earned ratio? Interest earned ratio measures the actual yield you receive from a crypto position relative to your principal, accounting for all costs, price movements, and time factors—not just the advertised APY.

Most crypto investors glance at a "15% APY" and assume that's what they'll earn. In reality, your interest earned ratio may be half that figure—or negative—once you factor in token depreciation, gas fees, and compounding delays. Here's how to calculate what you're truly earning in 2026.

Step 1: Identify Your Gross Yield

Start with the nominal rate your platform advertises. If you're staking ETH at 4.2% APY, lending USDC at 8.5%, or providing liquidity in a pool quoting 22% APR, write down that headline number. This is your gross yield—your starting point, not your finish line.

Check whether the rate is APR (simple interest) or APY (compounded). A 10% APR compounded daily becomes roughly 10.52% APY. Platforms may switch terminology to look more competitive, so always confirm the compounding frequency.

Step 2: Subtract All Fees

Every protocol and platform takes a cut. Factor in:

• Platform fees: Typically 10–25% of gross yield on managed services; automated yield strategies disclose these upfront.
• Protocol fees: DeFi protocols may charge 0.5–2% on deposits or withdrawals.
• Gas fees: Claim rewards weekly on Ethereum mainnet? Each transaction in 2026 averages $3–$12 depending on congestion. Claiming a $15 reward costs you 20–80% instantly.
• Swap fees: If you auto-compound or convert rewards, expect 0.3–1% per swap.

A 12% gross yield with 15% platform fees and $40 monthly gas on a $2,000 position drops your real yield to roughly 9.6%. The math: (12% × 0.85) – (480 annual gas / 2,000 principal) = 10.2% – 2.4% = 7.8% net.

Step 3: Adjust for Token Price Volatility

Earning 18% APY in a governance token that falls 30% leaves you down 12% in fiat terms. Your effective interest earned ratio must include price change over your holding period.

Formula: Effective Ratio = [(End Balance × End Price) / (Start Balance × Start Price)] – 1

Example: You deposit 100 TOKEN at $50 (principal $5,000). After one year you hold 118 TOKEN at $42. End value: 118 × $42 = $4,956. Your effective ratio is –0.88%, despite the 18% nominal APY.

For stablecoin strategies, price volatility is minimal—USDC or USDT rarely deviates more than 0.5% from peg. This is why conservative investors prefer stablecoin strategies to isolate yield from market swings.

Step 4: Calculate Time-Weighted Returns

If you add or withdraw capital mid-period, simple division fails. Use the time-weighted return (TWR) method to isolate performance from cash-flow timing.

Break your holding into sub-periods around each deposit or withdrawal. Calculate the return for each segment, then chain-link them:

TWR = [(1 + R₁) × (1 + R₂) × … × (1 + Rₙ)] – 1

Period 1: $1,000 grows to $1,040 before you add $500 → R₁ = 4%
Period 2: $1,540 grows to $1,617 → R₂ = 5%
TWR = (1.04 × 1.05) – 1 = 9.2%

This approach mirrors how fund managers report performance and prevents large late deposits from masking poor early returns.

Step 5: Distinguish Nominal vs. Effective Interest Earned Ratio

Nominal ratio ignores compounding and price changes—it's the advertised APR. Effective ratio accounts for compounding frequency, fees, and token-price movement, giving you the true annualized gain or loss in your base currency.

Use this comparison:

Key insight: The gap between nominal and effective can exceed 10 percentage points in volatile-token pools. Always calculate effective ratio before comparing opportunities.

Real 2026 Scenarios

Scenario A: ETH Staking
Principal: 10 ETH at $3,200 = $32,000
Gross APY: 4.2%
Platform fee: 10%
Net APY: 3.78%
ETH price after one year: $3,520
End balance: 10.378 ETH × $3,520 = $36,530
Effective ratio: 14.2% (yield + price appreciation)

Scenario B: Liquidity Pool (volatile pair)
Principal: $5,000 in TOKEN-ETH pool
Gross APR: 35% (22% trading fees + 13% rewards)
Platform fee: 0% (self-custodied)
Gas for monthly claims: $8 × 12 = $96
Impermanent loss: –6%
TOKEN reward depreciation: –18%
Net yield from fees: 22% – 1.92% gas = 20.08%
Reward value: 13% × 0.82 = 10.66%
IL drag: –6%
Effective ratio: 24.74% (20.08 + 10.66 – 6)

Scenario C: USDC Lending
Principal: $10,000
Gross APY: 7.8%
Platform fee: 15%
Gas: negligible (claims batched quarterly)
Stablecoin drift: +0.1%
Net APY: 7.8% × 0.85 = 6.63%
Effective ratio: 6.73%

⚠️ Common Calculation Mistakes That Inflate Perceived Returns

• Ignoring unrealized IL: Your wallet shows higher token counts, but on withdrawal you receive less value than at deposit. Always simulate exit liquidity.
• Annualizing short-term spikes: A 2% return in one week is not 104% APY if the rate drops next week. Use actual multi-month data.
• Double-counting auto-compounding: If the platform already quotes APY, don't multiply by additional compounding—you'll overstate by 10–30%.
• Forgetting opportunity cost: Locking capital for 12 months at 8% when rates rise to 12% mid-year costs you 4% in foregone yield.
• Excluding withdrawal fees: Some pools charge 0.5–2% exit fees; subtract this from your final balance before calculating ratio.

CALCULATOR_EMBED: Check Your Real Yield

Use the yield calculator to input your principal, advertised APY, fee structure, and expected price movement. The tool outputs both nominal and effective interest earned ratios, helping you compare strategies on equal footing. Adjust sliders for gas frequency and compounding intervals to see how small changes impact annual returns.

Q: Should I calculate interest earned ratio daily or monthly?

A: Monthly is sufficient for most positions. Daily tracking adds noise without insight unless you're actively rebalancing or rates fluctuate hourly. Quarterly reviews align with tax reporting and let you spot trends without overreacting to short-term swings.

Q: How do I handle multiple simultaneous positions?

A: Calculate each position's effective ratio separately, then take a weighted average by principal. A $5,000 position at 8% and a $15,000 position at 5% yield a portfolio ratio of (5k × 8% + 15k × 5%) / 20k = 5.5%.

Armed with these formulas, you'll move past headline APYs and understand what your capital actually earns. The next chapter shows how to benchmark your calculated ratio against 2026 market standards—so you know whether 6% is competitive or a red flag.

Benchmarking Your Ratio Against Market Standards

What is a healthy interest earned ratio in crypto? A healthy interest earned ratio in crypto typically ranges from 0.85 to 0.95 for most yield strategies, meaning 85-95% of gross yields reach your wallet after fees, slippage, and gas costs. Ratios below 0.80 suggest excessive friction; ratios above 0.95 often indicate lower absolute returns or hidden risks.

Most investors track APY. Few examine how much of that quoted rate they actually keep. The interest earned ratio bridges this gap, and current 2026 benchmarks reveal which strategies deliver efficient yield versus expensive promises.

Understanding where your ratio sits relative to market standards helps you identify underperforming allocations before they erode returns. Institutional funds routinely evaluate this metric during due diligence—retail investors should too.

2026 Interest Earned Ratio Benchmarks by Strategy Type

The latest data from major crypto yield categories shows clear efficiency tiers. CeFi platforms, DeFi protocols, staking validators, and liquidity pools each carry distinct cost structures that directly impact your ratio.

Key insight: Higher advertised APYs often correlate with lower interest earned ratios. A 40% gross APY with a 0.65 ratio delivers 26% net—potentially less than a 12% strategy with a 0.92 ratio yielding 11% net, but with far less risk.

What Your Ratio Reveals About Strategy Health

Ratio thresholds serve as diagnostic tools. A declining ratio over time signals rising costs or execution inefficiency, even if gross APY appears stable.

Ratio above 0.92: Excellent efficiency. You keep most of the yield. Common in optimized CeFi platforms and direct staking with low-commission validators. Verify the gross APY isn't artificially suppressed.

Ratio 0.85-0.92: Healthy range for most DeFi and mid-risk strategies. Costs are present but proportional to the complexity and liquidity of the protocol. Monitor for fee creep.

Ratio 0.75-0.85: Moderate friction. Acceptable for high-yield DeFi or liquidity provision, but review whether the gross APY justifies the leakage. Consider if simpler alternatives offer better net returns.

Ratio below 0.75: High friction zone. Common in multi-hop yield farms or protocols with excessive intermediary fees. Unless gross APY exceeds 30%, net returns may underperform safer strategies. Re-evaluate allocation.

Institutional funds typically require a minimum 0.80 ratio for any strategy to enter their portfolio, regardless of gross APY. They understand that execution quality matters as much as headline rates.

How Professional Funds Evaluate Interest Earned Ratios

Asset managers treating crypto yield as an institutional product use ratio analysis to separate signal from noise. They compare ratios across similar-risk strategies, then allocate to those offering the best net efficiency.

A professional evaluation includes three layers. First, benchmark the ratio against peer strategies in the same risk tier. A stablecoin lending ratio of 0.88 might seem strong, but if competitors achieve 0.93, capital migrates.

Second, track ratio stability over time. Volatile ratios indicate unpredictable costs—often from fluctuating gas fees or reward token price swings. Stable ratios suggest mature infrastructure and predictable execution.

Third, stress-test the ratio under adverse conditions. How does the ratio behave during network congestion when gas spikes? During liquidity crunches when slippage widens? Fragile ratios collapse precisely when you need resilience most.

This disciplined approach prevents chasing unsustainable APYs. A fund might reject a 25% DeFi opportunity with a 0.70 ratio in favor of a 10% CeFi option with a 0.92 ratio, recognizing the latter delivers 9.2% net versus 17.5% net—but with far lower operational and smart contract risk.

EarnPark's Ratio Optimization Through AI-Driven Automation

📊 Efficiency Advantage:

• 0.89-0.94 — typical interest earned ratio across EarnPark's automated strategies as of 2026
• 4-6 fewer transactions — per month versus manual DeFi management, reducing cumulative gas drag
• Sub-0.3% average slippage — on rebalancing trades via institutional liquidity routing

EarnPark's AI engine continuously monitors ratio efficiency across all active positions. When a strategy's ratio drops below its historical baseline, the system investigates: Are gas fees elevated? Is a protocol fee structure changing? Has reward token volatility increased?

Automated rebalancing executes during low-congestion windows, minimizing gas costs. The platform batches transactions where possible, spreading fixed costs across larger capital pools. Fee minimization isn't an afterthought—it's embedded in every execution decision.

Users select their risk tier; the algorithms handle ratio optimization. A stablecoin conservative strategy targets 0.92+ ratios by favoring protocols with transparent fee structures and minimal intermediary layers. Higher-risk strategies accept 0.85+ ratios when gross APY justifies the complexity, but never sacrifice efficiency without commensurate return.

This approach mirrors institutional discipline: relentless focus on net returns, not gross headlines. Check your current ratio with the yield calculator to see how automated execution could improve your efficiency.

Moving From Diagnosis to Improvement

Benchmarking reveals where you stand. The next step is targeted optimization—adjusting protocols, timing, and execution to lift your ratio without compromising returns.

Now that you understand healthy ratio ranges and how professionals evaluate this metric, you can identify specific leakage points in your current allocations. The following chapter examines concrete strategies to tighten execution, reduce friction, and convert more gross yield into spendable earnings.

Optimization Strategies to Improve Your Interest Earned Ratio

What is interest earned ratio optimization? Interest earned ratio optimization is the systematic application of compounding strategies, fee reduction tactics, and capital allocation methods to maximize the percentage of gross yield you actually retain as net earnings.

Understanding your ratio is one thing. Improving it is where real wealth accumulation begins. Currently, many crypto holders leave 15–40% of potential earnings on the table through inefficient compounding, avoidable fees, and suboptimal capital allocation. The latest data indicates that disciplined optimization can lift your effective ratio by 20–50% without increasing risk exposure.

This chapter walks through four core optimization levers: compound frequency tuning, transaction cost management, multi-tier capital allocation, and the automation versus manual rebalancing trade-off. Each lever applies whether you manage yield independently or use automated yield strategies that bundle optimizations under the hood.

Compound Frequency Optimization

Compounding frequency directly impacts how much of your gross APY converts to realized gains. Daily compounding beats monthly compounding, but only if transaction costs remain proportional to position size. The key metric is the break-even threshold: the portfolio value at which more frequent compounding adds net value after fees.

For stablecoin strategies with sub-0.1% gas costs, daily compounding typically breaks even above $5,000–$10,000 in capital. For Ethereum-based strategies with higher Layer 1 fees, the threshold may sit at $25,000 or more. Below these levels, weekly or bi-weekly compounding preserves more net yield.

📊 Compounding Impact Example:

• 10% APY, no compounding: $10,000 → $11,000 after one year
• 10% APY, monthly compounding: $10,000 → $11,047 after one year
• 10% APY, daily compounding: $10,000 → $11,052 after one year
• Net difference: $52 gain, or ~0.5% ratio improvement (rates vary; check current figures)

Over multi-year horizons, that 0.5% compounds further. Automated platforms typically apply optimal compounding schedules based on real-time fee environments, removing manual overhead and timing guesswork.

Fee Reduction Strategies

Every basis point paid in fees dilutes your interest earned ratio. The three highest-impact fee categories are platform management fees, network transaction costs, and withdrawal/redemption charges. Reducing total annual fees from 2% to 0.5% can improve your ratio by 15–20% at typical yield levels.

Start by auditing your fee stack. Many yield aggregators layer 1–2% management fees onto DeFi protocol fees. Switching to direct protocol access or lower-fee platforms cuts this drag. For network costs, batch transactions when possible, use Layer 2 solutions for smaller positions, and time non-urgent moves for low-congestion periods.

Withdrawal fees deserve special scrutiny. Platforms charging fixed withdrawal amounts (e.g., $25 per transaction) disproportionately hurt smaller accounts. Calculate your effective withdrawal fee as a percentage of capital; if it exceeds 0.5%, consider larger but less frequent withdrawals or platforms with percentage-based or zero withdrawal fees.

Key insight: A 2.6% fee reduction on a 12% gross APY strategy improves your interest earned ratio from 72% to 94%—a 30% relative gain in net yield retained.

Capital Allocation Across Risk Tiers

Splitting capital across low, medium, and high-risk yield tiers lets you tune aggregate return and ratio simultaneously. Lower-risk strategies (stablecoins, established protocols) typically carry lower fees and more predictable returns, boosting ratio stability. Higher-risk strategies may offer higher gross APY but often incur elevated platform fees, slippage, and volatility-related costs that compress net ratios.

A balanced allocation—60% low-risk, 30% medium-risk, 10% high-risk—often delivers a superior interest earned ratio compared to 100% allocation to high-APY, high-fee strategies. The lower-risk tranches anchor your ratio, while selective high-risk exposure adds upside without dominating your cost structure.

Rebalance allocations quarterly or when risk-adjusted returns shift materially. For example, if stablecoin yields rise from 6% to 10% while DeFi farming APYs remain flat but fee-heavy, increasing your stablecoin allocation preserves ratio without sacrificing absolute return. EarnPark's tiered strategy framework applies this logic automatically, adjusting exposure as market conditions evolve.

Automated vs. Manual Rebalancing Trade-Offs

Manual rebalancing offers full control but demands constant monitoring and incurs per-transaction costs. Automated rebalancing removes emotional bias and executes at optimal thresholds, but delegates timing and execution to algorithms. The choice hinges on portfolio size, time availability, and transaction cost sensitivity.

For portfolios under $20,000, manual monthly rebalancing often suffices if you track protocol performance and fee changes. Above $50,000, automation becomes cost-effective: the marginal compounding gains and fee savings from real-time adjustments outweigh typical platform automation fees (0.5–1% annually).

Automation also reduces behavioral drag—the tendency to delay rebalancing during volatility or chase recent winners. Studies of DeFi yields suggest automated strategies maintain interest earned ratios 5–12% higher than manually managed equivalents, primarily by enforcing discipline and capitalizing on intra-month rate fluctuations.

Real Scenario: Before and After Optimization

Baseline portfolio (non-optimized):

• Capital: $15,000 USDT
• Strategy: Single DeFi lending protocol, 14% gross APY
• Compounding: Manual, quarterly
• Platform fee: 2%
• Gas costs: ~$120/year (monthly manual interventions)
• Withdrawal fees: $25 per event, twice yearly = $50
• Total annual fees: $300 (platform) + $120 (gas) + $50 (withdrawals) = $470
• Gross yield: $15,000 × 14% = $2,100
• Net yield: $2,100 – $470 = $1,630
• Interest earned ratio: ($1,630 / $2,100) × 100 = 77.6%

Optimized portfolio:

• Capital: $15,000 USDT (same)
• Strategy: Automated multi-protocol allocation (60% stablecoin, 30% lending, 10% yield farming), blended 13% gross APY
• Compounding: Automated daily
• Platform fee: 0.5%
• Gas costs: $30/year (batched, Layer 2 where applicable)
• Withdrawal fees: 0% (platform policy)
• Total annual fees: $75 (platform) + $30 (gas) = $105
• Gross yield: $15,000 × 13% = $1,950 (slightly lower APY, but more stable)
• Net yield: $1,950 – $105 = $1,845
• Interest earned ratio: ($1,845 / $1,950) × 100 = 94.6%

Result: Despite a 1% lower gross APY, the optimized approach delivers $215 more in net annual yield and improves the interest earned ratio by 17 percentage points. Compounding that difference over three years adds approximately $800 in cumulative gains (at the time of writing; rates vary).

FAQ: Optimization in Practice

Q: How often should I rebalance my yield portfolio?

A: For manual management, monthly rebalancing balances responsiveness and transaction costs. Automated platforms rebalance continuously or weekly, depending on protocol performance and fee thresholds.

Q: When do gas fees negate ratio gains from more frequent compounding?

A: If a single compound transaction costs more than the incremental interest earned since the last compound, fees outweigh gains. For a $5,000 position at 10% APY, daily compounding adds ~$1.37 per day; if gas exceeds that, switch to weekly or bi-weekly compounding.

Q: How does my interest earned ratio change with portfolio size?

A: Ratios improve with size because fixed fees (gas, withdrawal charges) shrink as a percentage of capital. A $5,000 portfolio paying $100 in fixed annual fees bears a 2% drag; a $50,000 portfolio with the same fees bears only 0.2%, lifting the ratio proportionally.

Q: Can I optimize ratio without switching platforms?

A: Yes. Reduce withdrawal frequency, batch transactions during low-gas periods, enable auto-compounding if available, and consolidate positions to minimize per-protocol overhead. Even without platform migration, these steps can recover 0.5–1.5% in annual net yield.

Putting It All Together

Maximizing your interest earned ratio requires layering multiple optimizations: tuning compound frequency to portfolio size, auditing and cutting unnecessary fees, diversifying across risk tiers for cost efficiency, and leveraging automation when scale justifies it. Each lever compounds the others—lower fees make more frequent compounding viable, while automated rebalancing sustains optimal allocations without manual overhead.

The scenario above demonstrates that ratio optimization is not theoretical. Real portfolios gain 10–20% more net yield through disciplined execution. Platforms that bundle these optimizations—daily compounding, low management fees, zero withdrawal charges, and multi-protocol allocation—deliver institutional-grade efficiency to retail capital.

Ready to see how optimization impacts your specific situation? Use the yield calculator to model different fee structures, compounding frequencies, and allocation strategies. Compare projected net yields side by side, then apply the highest-ratio approach to your holdings. Small changes in process yield measurable improvements in long-term wealth accumulation.

Key Takeaways

Interest earned ratio cuts through marketing hype to reveal actual capital efficiency. By calculating your ratio, benchmarking against 2026 market standards, and implementing optimization tactics, you transform yield from a vanity metric into a disciplined growth strategy. Track your ratio monthly, adjust when it falls below category benchmarks, and prioritize platforms that maximize this efficiency. Ready to optimize your interest earned ratio with institutional-grade automation? Explore EarnPark's structured strategies designed for transparent, measurable yield.