< 180 Day Stakes — Crossover: 90 days
Before 90 days: Penalty = Interest × 90 / DaysServed. You receive Principal − Penalty + Interest.
After 90 days: Principal is safe. You receive Principal + Interest earned after day 90.
≥ 180 Day Stakes — Crossover: 50%
Before 50%: Penalty = Interest × HalfDays / DaysServed. You receive Principal − Penalty + Interest.
After 50%: Principal is safe. You receive Principal + Interest earned after the 50% mark.
Emergency End-Stake (Day 0)
Penalty = EstimatedInterest × CrossoverDays. Can wipe out all principal. Stakes < 180 days use 90; stakes ≥ 180 days use HalfDays.
Late End-Stake
14-day grace period after maturity with no penalty. After that, 1/7th of 1% per late day is deducted, reaching 100% around day 700 past maturity.
Interest estimates use ~3.69% APY; actual yield depends on T-shares & pool size.
