# APR ↔ APY Converter & Deposit Projector

> APR ↔ APY Converter & Deposit Projector is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.003/call, status unknown (last checked 2026-10-13).

Converts between APR and APY for any compounding frequency and optionally projects final value and gain of a deposit over N days.

## Facts

- Endpoint: POST https://api.vextorium.com/apr-apy-pago?utm_source=zero.xyz
- Price: $0.003/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/apr-apy-converter-deposit-projector-74e23872
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_IdvWBzs38yo1jG9NJQaYm

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability apr-apy-converter-deposit-projector-74e23872 -d '<json body>'
```

Example prompt: Convert a 10% APR compounded daily (365 periods per year) to APY, and project how much a $1,000 deposit would be worth after 365 days.

## When to prefer this

Use this endpoint when you need to compare DeFi or TradFi yields expressed as APR vs APY, especially across different compounding frequencies (daily, hourly, per block, continuous). It is ideal for agents that need to normalize yield figures before ranking protocols or projecting investment outcomes, and supports the full range of compounding frequencies including continuous (0 periods).

## Known failure modes

- Missing required tasa_pct field returns a validation error
- Invalid or unrecognized 'de' enum value (not 'apr' or 'apy') causes a bad request
- Negative or zero rate values may produce unexpected mathematical results
- Extremely large compounding periods may behave like continuous compounding
- Non-numeric capital or days fields cause schema validation failure

## How this service works

Convert APR to APY or APY to APR for any compounding frequency (continuous, daily, hourly, per block...) and optionally project the final value and gain of a deposit over N days. Useful to compare DeFi yields.

## Output

Returns a JSON object with the converted rate (both apr_pct and apy_pct), the compounding frequency label (e.g. 'diaria'), number of compounding periods per year, and optionally the projection days, deposit capital, final value, and gain if capital was provided.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method",
    "bodyType",
    "body"
   ],
   "properties": {
    "body": {
     "required": [
      "tasa_pct"
     ],
     "properties": {
      "de": {
       "enum": [
        "apr",
        "apy"
       ],
       "type": "string",
       "description": "What the rate is"
      },
      "dias": {
       "type": "integer",
       "description": "Days to project (default 365)"
      },
      "capital": {
       "type": "number",
       "description": "Deposit to project (optional)"
      },
      "tasa_pct": {
       "type": "number",
       "description": "Rate in %"
      },
      "capitalizaciones_anio": {
       "type": "integer",
       "description": "Compounding periods per year (0 = continuous, 365 = daily)"
      }
     }
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json",
      "form-data",
      "text"
     ],
     "type": "string"
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": [
      "object",
      "null"
     ],
     "properties": {
      "dias": {
       "type": [
        "number",
        "null"
       ]
      },
      "apr_pct": {
       "type": [
        "number",
        "null"
       ]
      },
      "apy_pct": {
       "type": [
        "number",
        "null"
       ]
      },
      "capital": {
       "type": [
        "number",
        "null"
       ]
      },
      "ganancia": {
       "type": [
        "number",
        "null"
       ]
      },
      "frecuencia": {
       "type": [
        "string",
        "null"
       ]
      },
      "valor_final": {
       "type": [
        "number",
        "null"
       ]
      },
      "capitalizaciones_anio": {
       "type": [
        "number",
        "null"
       ]
      }
     }
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "dias": 365,
  "apr_pct": 10,
  "apy_pct": 10.515578,
  "capital": 1000,
  "ganancia": 105.155782,
  "frecuencia": "diaria",
  "valor_final": 1105.155782,
  "capitalizaciones_anio": 365
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/apr-apy-converter-deposit-projector-74e23872/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.vextorium.com](https://www.zero.xyz/host/api.vextorium.com/llms.txt)