Unofficial. Built from the Standard Reserve whitepaper v0.1, formulas 5.1, 7.1 and 9.1.

Standard Reserve branch calculator

Move the sliders. Every number on this page is a live consequence of the whitepaper's rules. Parameters the team hasn't announced yet are marked assumed and can be changed.

What one branch earns

The bank issues a fixed daily amount, scaled by the policy multiplier, and splits it equally across every open branch in the whole system. More branches anywhere means a thinner slice everywhere.

one branch per day = base × m ÷ N

Base daily issuance assumed Policy multiplier m assumed Branches in the system, N Your branches

Issued to everyone, per day

One branch, per day

Your branches, per day

Your share of the issue

Yours over 30 days, N unchanged

Expanding versus holding

Extra branches cost an expansion license, bought at a daily Dutch auction and burned in full. The auction floor is about two days of one branch's yield, so at the floor a new branch repays itself in two days. Buyers usually step in above the floor; set how far above.

floor = 2 × base × m ÷ N (7.1)

License price, in days of one branch's yield New branches opened system-wide, per day Horizon, days

A new branch repays itself in

Hold: balance at horizon

Compound: balance at horizon

Compound: branches at horizon

Compound: $STANDARD you burned

Compound: your share at horizon

Compound, per day at horizon

What leaving costs

Tokens only exist when you withdraw, and withdrawing means retiring branches: one of ten releases a tenth of your balance and that branch is gone. The resolution fee rises with how much the whole system withdrew in the last seven days. Half is burned, half is paid to everyone who stayed.

fee = floor + (ceiling − floor) × min(pressure ÷ 10%, 1)² (9.1)

System-wide exit pressure, last 7 days Branches you retire now Fee floor assumed Fee ceiling assumed

Dormancy. Go 30 days without a transaction and anyone can report your charter. You are charged 70%, your charter burns, and 30% is returned. With the balance above, that is kept. A free check-in resets the clock.

Balance used here

Released by retiring

Resolution fee

Burned

Paid to bankers who stayed

Minted to your wallet

Branches you keep

What is assumed, and what is not

From the whitepaper: the 1B cap, equal per-branch split of each epoch's issue, up to 10 branches per charter, licenses paid in $STANDARD and burned in full, the license floor of about two days of one branch's yield, at most 3 licenses per charter per day, pro-rata withdrawal by retiring branches, the 7-day exit-pressure window with half the fee burned and half paid to remaining bankers, and the 30-day dormancy rule with a 70% charge.
Not announced yet, so assumed here and adjustable: the base daily issuance, the multiplier's range and launch value, and the resolution fee's floor and ceiling. The whitepaper says final parameters come closer to launch.
Simplifications: the multiplier is held constant across the horizon instead of moving with net ETH flow; the compound strategy buys at a fixed multiple of the floor; the balance used in the exit section is the compound strategy's balance at the horizon.

Whitepaper: standardreserve.xyz/whitepaper. This page is an independent reading of that document, not affiliated with the project, and not financial advice. Built by .