At FF Forest, interest is calculated and credited daily. This approach ensures steady accumulation of returns and allows investors to see their earnings grow day by day.

Recently, some users noticed small differences in displayed daily interest amounts - for example, seeing €0.49 on one day and €0.50 on another - and asked why the numbers did not always appear identical.

We appreciate this feedback. Transparency, accuracy, and investor trust are core values at FF Forest, and we take such questions seriously.

Why daily interest amounts may look different

Daily interest calculations often result in values with more than two decimal places.

For example:

• Investment amount: €1,000

• Annual return: 18% p.a.

• Investment period: 1 year

Calculation:

• Yearly interest: €1,000 × 18% = €180

• Daily interest: €180 ÷ 365 = €0.49315 per day

From a financial and accounting perspective, this value is precise and correct.

However, most financial interfaces display only two decimal places, which means the amount may appear as €0.49 or €0.50 depending on rounding rules.

The interest calculation logic itself has always been correct and remains unchanged.

The differences some users noticed were related only to how rounded values were displayed, not to how interest was earned.

How daily interest is calculated

The daily interest formula used by FF Forest is straightforward and transparent:

EARNED_INTEREST = INVESTMENT_AMOUNT × INTEREST_RATE ÷ 365

What has changed is not the formula, but how daily rounding is applied - to make it fully consistent, predictable, and aligned with accounting best practices.

How rounding works

To provide full clarity, here are two practical examples showing how daily rounding was previously applied and how it works today.

Example 1: €500 invested at 18% p.a.

Calculation:

• €500 × 0.18 ÷ 365 = €0.2465 per day

Previously:

• In some cases, this value was rounded up

• The daily interest could be displayed as €0.25

Now:

• A consistent accounting rounding rule is applied down

• The daily interest is displayed as €0.24

• The fractional part is not lost and is tracked internally

Example 2: €1,000 invested at 18% p.a.

Calculation:

• €1,000 × 0.18 ÷ 365 = €0.4931 per day

Previously and now:

• The value is rounded down to €0.49

• In this case, the rounding logic has not changed

Why this change improves transparency

It is important to clearly state what does and does not change as a result of this update.

What does not change:

• The interest calculation formula

• Project APY and investment terms

• The total return earned by investors

What improves:

• A single, predictable rounding rule at the daily level

• Clear and verifiable daily interest values

• Accounting consistency across all investments

This approach ensures that daily interest values are easier to understand and verify, without altering the economics of investments.

Automatic monthly interest reconciliation

To further protect investor interests, FF Forest has implemented an automatic monthly reconciliation mechanism.

At the end of each month:

• All daily interest credited during the month is reviewed

• Any differences caused by daily rounding are identified

• If even a minimal amount of interest is missing, it is automatically credited to the investor’s wallet

This guarantees that 100% of earned interest is always paid, without requiring any action from the investor.

Full decimal visibility for investors

To make daily interest calculations fully transparent:

• In Transaction History and My Portfolio, rounded values are shown for readability

• By hovering over an interest amount or tapping it on mobile, investors can see the exact calculated value, including full decimals

This allows every investor to independently verify how their daily interest is calculated.

Our commitment to investors

These improvements reflect our ongoing commitment to:

• Full transparency

• Accurate, investor-first accounting

• Clear and proactive communication

We believe investors should not only earn returns, but also fully understand and trust how those returns are calculated.

Thank you for your feedback and trust - it helps us continue improving FF Forest.