Cat-14 · T164 · Embedded Finance & BaaS Infrastructure

Wallet Float Yield Estimator

Calculate float revenue on stored value balances. Model gross yield vs. reserve drag, FDIC pass-through benefit, dormancy impact, and net treasury yield in basis points and dollar terms. Rate sensitivity analysis across Fed Funds scenarios. Outputs Markdown treasury memo.

Float Yield Fed Funds Stored Value Zero PII Client-Side

Last Reviewed · 2026-05-12

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Float Parameters

Wallet Programme Type

Active User Count

Average Wallet Balance per User (USD)

Fed Funds Rate (%)

4.50%

Investment Yield vs. Fed Funds (±%)

Spread above/below Fed Funds (MMF, T-Bills, IOER)

FDIC Pass-Through Eligible (%)

% meeting documented FDIC pass-through requirements

Reserve Requirement (% of pool)

Liquidity buffer — earns zero or short-duration yield

Dormancy Rate (%/year)

Dormant balances may require escheatment provisioning

Treasury Management Fee (bps/year)

Custodian / sweep programme management fee

Configure parameters and click Estimate Float Yield