So after all the discussion about the residual balance and stuff, the in-a-nutshell version that unker here has come to understand is

TECHNICALLY, main account is "useless" since it's 3 % only and isnt calculated inside the pockets' 20k, got much better rate at other digital banks and jars

For Savings Pockets, you wanna put 60.84 or any multiples of that value for the round-off but with the knowledge that residual is in play and u are receiving "alternate day" interest UNLESS u are willing to daily "bot"

For Ryt Pocket itself, you wanna hit as high interest as possible with the residual balance need for 20k after subtracting whatever u put in the savings pocket also with the knowledge that residual is in play and u are receiving "alternate day" interest.

THE NUMBERS

MAIN: 0
RYT POCKET: 19527.50 (I know it will be more than 20k total but for the alternate day round off...) | Interest:1.60 +- 0.01
SAVINGS POCKET: 60.84 *9 =547.56 | Interest: 0.01*9 = 0.09

TOTAL = 20075.06 with the knowledge that 75.06 is there to pad numbers | Interest: 1.6+0.09+0.54=2.23 at the very least with variations

Am i correct in my calculations so far or do i need to go back to math school?

PS: After everything is said and done, effective rate is basically 4%~4.05%

This post has been edited by soulreap: Aug 22 2025, 06:11 PM

Can recycle name. I personally have been using 1-9 for a few days now. Got lazy one day and forgot to add an extra digit but still received interest the next day.

In fact, if u check under archived pockets, u will see your old pockets will similar names there. Just rmb to close and open



This post has been edited by soulreap: Sep 3 2025, 09:49 AM