Four Buttons, Four Different Numbers

Open LoanCryptoBank’s Portfolios page and each of the five ready-made portfolios shows a return figure with four small buttons above it: 1D, 7D, 1M and 1Y. Click through them and the number changes, sometimes a lot. The same Digital Gold Growth portfolio can look like one kind of investment on the 1-day view and a noticeably different one on the 1-year view.

Nothing is broken when that happens. The page is showing the same kind of figure measured over four different stretches of time. Once you know what the figure is, the jumps make sense, and you can use the buttons to learn something instead of being confused by them.

What “Annualized” Means on This Page

The page explains it in one line under the chart: “Figures shown are annualized yield (APY) — the yearly rate implied by the return measured over the selected period, not the flat return earned in that period.”

Put simply, the platform takes what a portfolio earned over the chosen window and asks: if it kept earning at exactly this pace for a whole year, with returns building on returns, what would the yearly rate be? That’s the number you see.

So a 1D figure doesn’t mean “this is what the portfolio made yesterday.” It means “this is what yesterday’s pace would add up to over twelve months.” Those are very different statements.

Why a Small Daily Move Turns Into a Big Yearly Number

Annualizing a short period magnifies it. A few hypothetical examples show how fast that happens:

  • A day that earns 0.02% annualizes to about 7.6%.
  • A day that earns 0.05% annualizes to about 20%.
  • A day that earns 0.1% annualizes to about 44%.
  • A day that loses 0.03% annualizes to about −10%.

The gap between an unremarkable day and a strong one is a tenth of a percent, yet on the 1D view it looks like the difference between a savings account and something far more exciting. Monthly figures are less dramatic: a month earning 0.5% annualizes to about 6.2%, and a month earning 1% to about 12.7%.

This matters for these portfolios in particular. Their income comes from providing liquidity on decentralised exchanges and collecting fees from other people’s trades, not from betting on price direction. Trading activity is naturally uneven. A busy day produces more fees, a quiet day fewer, and the 1D view reflects exactly that unevenness, multiplied by a year.

Why Longer Windows Look Calmer

The longer the window, the more good and quiet days get averaged together. A 7-day figure already smooths out a single unusual day. A 1-month figure smooths out an unusual week. The 1-year view comes closest to what a full year of that strategy actually looked like, because very little extrapolation is involved.

That’s why the same portfolio can show a high 1D number and a more modest 1Y number, or the other way round. Neither one is wrong. They answer different questions: “how is it running right now?” versus “how has it run over a long stretch?”

Where the 6–30% Range Fits

LoanCryptoBank describes its strategies as targeting a range of roughly 6–30% a year, depending on the portfolio. Stable Growth, built on a USDT/USDC stablecoin pair, sits at the conservative end. The BTC-based Digital Gold Growth and ETH-based Digital Silver Growth aim higher, with more movement in the underlying asset.

A short window can easily land outside that range in either direction, for the reasons above. A single 1D reading above 30% or below 6% isn’t a new target and isn’t a warning sign on its own. It’s one day, stretched to a year. The range is a planning figure, not a guaranteed result, and it’s better compared against the longer windows than against a single day.

A Simple Way to Compare Portfolios

A few habits make the page more useful:

  • Compare on the same button. A 1D figure for one portfolio next to a 1Y figure for another tells you nothing.
  • Start with the longest window. Use 1Y (or 1M) to understand what a portfolio has typically done, then check 1D or 7D to see how it’s running lately.
  • Look at the spread, not just the number. If a portfolio’s 1D and 1Y figures are far apart, it’s more sensitive to day-to-day activity. That’s useful to know before choosing it.
  • Match the portfolio to your nerves, not the biggest figure. A higher number on the ETH pair comes with higher volatility in the underlying asset, as the page itself says of Digital Silver Growth.

What None of These Numbers Promise

Every portfolio card on the page carries the same note: “Past performance for the selected period, not a guaranteed future return.” At the bottom, the page adds: “Illustrative return data. Portfolio value is subject to market fluctuations of the underlying assets.” Both are worth taking literally. Annualized figures describe a pace that already happened, not one that’s locked in.

The main risk sits below the portfolio level: the underlying networks and stablecoins themselves — Bitcoin, Ethereum, USDT and USDC. A serious vulnerability at that level would affect the whole industry, not just this product. It’s unlikely, but it’s the honest answer to “what could actually go wrong?”

What the numbers do give you is a clear view of how each portfolio has behaved, over the window you choose. Pick the window deliberately, read the figure for what it is, and the four buttons become a tool rather than a puzzle.

This article explains how return figures are displayed on LoanCryptoBank’s public Portfolios page. It isn’t financial or investment advice, and past returns don’t guarantee future results.