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APY and APR in cryptocurrency: the difference, calculation, and practical application

Two rates of 10% per year can yield different returns, and the difference can sometimes become hundreds of dollars per position. It all comes down to the three letters before the percentage. APR and APY are being used at every turn in the cryptocurrency space: exchanges advertise APY rates on DeFi platforms, lending services display APR on loans, and the numbers next to these abbreviations look similar, even though they mean different things. 

It’s important for investors to understand the difference between APR and APY, if only because platform marketers understand it perfectly well and always highlight whichever metric looks more attractive. So let’s break down what APR and APY are, provide the formulas, calculate examples using real numbers, and show where each metric is appropriate.

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What is the MACD indicator and what does it consist of

Open the chart for any cryptocurrency on an exchange or in TradingView, and you’ll almost certainly see the MACD among the built-in tools. It’s one of the most recognizable elements of technical analysis: it’s used by both beginners who are just getting started with crypto trading and professional fund managers. The reason is simple. The […]

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The ultimate guide to crypto staking basics: tips for beginners 

Have you ever wondered what crypto staking is and how it works? In many cases, it can be a little bit difficult to understand this particular concept, leaving many people wondering how this idea works. Still, if this is something that’s been leaving you feeling baffled, don’t worry – this article will outline some of […]

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BONK token forecast: growth prospects and possible scenarios

BONK experienced a hard fall in May 2026. The current price is around $0.000004594, about 92% below the ATH (all-time high) of $0.00005898 set on November 20, 2024. The token still attracts a lot of attention, mostly because it is at the center of Solana’s meme economy. So, which BONK price forecast is grounded enough […]

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What is DCA and how does the averaging strategy work?

The price of bitcoin in May 2026 went from $82,000 to $72,000 in a couple weeks. Someone who was trying to catch the perfect moment to enter was probably wrong. And someone who bought a fixed amount each week just continued on as planned. That’s the point of the DCA strategy.

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Shiba Inu (SHIB) forecast

Firstly, Shiba Inu was a meme coin featuring a humorous dog within its own ecosystem, which included Layer 2 solutions, DeFi applications and NFT collections. It was one of the most talked-about coins of its time. This is why it gained a large following and developed into a promising project. 

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Bitcoin Cash (BCH) forecast: What to expect through 2030

For eight years now, Bitcoin Cash has remained in the top 20 cryptocurrencies by market capitalization, weathering market cycles, forks, and regulatory challenges. Yet the same question keeps coming up: How much will BCH be worth in one, three, or five years?

Below is an analysis of what’s happening with the price right now, what factors are influencing its dynamics, and what Bitcoin Cash price forecasts say for 2030. No promises, no buy or sell recommendations. Just data, figures, and scenarios currently being discussed in the industry.

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How to build a viable DAO voting model in 2026

Over the past five years, new DAO experiments and models have flourished, garnering attention for their voting processes. If Web3 is to become a user-owned internet, DAOs will be the organisational fundamental through which that ownership is distributed. With over 13,000 active DAOs globally in 2026, up from just a few hundred in 2021, the space has matured considerably.

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What are POW and POS, and what is the difference between them

When you send cryptocurrency, any blockchain must determine whether the transaction is legitimate or if someone is trying to pull a fast one and spend the same coins twice. At a bank, the bank itself verifies this. It checks the balance, confirms the transfer, and decides whether the transaction went through or not. In a […]

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A comprehensive introduction to DeFi. The system explained 

Are DeFi apps a new sensation or just a new hype? That’s probably one of the most popular discussions in crypto society this year. To find out why the DeFi ecosystem became such a huge hit, one must learn the basis it stands on. 

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