Lending scenario calculations: utilization, fees and net interest
This is a hypothetical calculation, not a customer performance report. Holding other inputs constant isolates utilization; neither the rates nor utilization figures are forecasts.
Common assumptions
Assume 10,000 USDT principal, constant 10% gross simple APR, a 15% interest fee and no compounding, tax, currency movement or transfer costs. Every row uses an 80 USDT annual subscription to isolate utilization.
Annual net interest = principal × gross APR × utilization × (1 − interest fee) − subscription
| Assumed utilization | Gross interest | Exchange fee | Subscription | Net interest |
|---|---|---|---|---|
| 50% | 500 | 75 | 80 | 345 |
| 75% | 750 | 112.50 | 80 | 557.50 |
| 95% | 950 | 142.50 | 80 | 727.50 |
All amounts are USDT. The 95% input is not LendPace performance or a promise. A free native-tool scenario should use zero subscription cost instead.
Inputs can interact
Lower quotes may improve fill chances while reducing interest per loan. You cannot assume utilization rises without changing the attainable rate. Duration, early repayment and minimum offer sizes also affect redeployment.
Measure utilization by amount and time. A partial fill does not mean the whole account is lent. Deposits and withdrawals require denominator adjustments.
Apply the model
Use your own period, balances and interest ledger. Identify whether interest is already net of fees to avoid deducting twice. Run several rate and utilization cases. A few days of observations should be reported as that period’s results, not as an annual promise. See the net-return guide and report methodology.
Related reading
- High Yield or Quick Fill: choose by liquidity and waiting time
- Calculate USDT lending net returns: APR, utilization and fees
Sources and verification date
2026-11-03.
This is operational and educational information. Illustrations are not promised returns. Exchange, liquidity and asset-price risks remain.
