How We Calculate PnL on Your Portfolio
Your portfolio’s PnL (Profit and Loss) is calculated from three distinct sources, each representing a different way you earn (or pay) while using the protocol.
The Three Components
1. Emissions
Emissions are protocol rewards distributed weekly. You earn these by participating in active emission campaigns.
For example, supplying zenBTC and borrowing USDC may earn you ROCK tokens.
These are bonus rewards on top of your regular yield, designed to incentivize specific lending and borrowing behaviors.
2. LST APY
If you’re supplying or borrowing Liquid Staking Tokens (LSTs), you earn yield from the underlying staking rewards.
How it’s calculated:
We measure the price change of your LST relative to SOL between two epochs. Since all LSTs are priced relative to SOL, this delta represents your actual staking yield over the period.
3. Bank Yield (Cumulative Interest)
This is the core lending and borrowing yield — what you earn on supplied assets and what you pay on borrowed assets.
Suppliers earn interest from borrowers.
Borrowers pay interest to suppliers.
This value is cumulative and reflects your net interest position over time.
The Big Number
The headline PnL figure you see is your total profit or loss over the selected period (7 or 30 days). It’s the sum of all three components:
Total PnL = Emissions + LST APY + Bank Yield
Time Window & Baseline
The PnL chart can be viewed over different time windows.
- Last 7 days: a rolling 7-day window.
- Last 30 days: a rolling 30-day window.
- All-time: starts at Oct 6, 2025.
For each view, the chart is anchored to the first timestamp in the selected window. The first point is treated as the baseline, and the curve shows how your PnL has changed since that starting point.
Hover over any point on the chart to see the breakdown of each component at that timestamp.