# APR ↔ APY Converter with Deposit Projection

> APR ↔ APY Converter with Deposit Projection is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.003/call, status unknown (last checked 2026-10-15).

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

## Facts

- Endpoint: POST https://api.vextorium.com/v1/apr-apy?utm_source=zero.xyz
- Price: $0.003/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/apr-apy-converter-with-deposit-projection-25ecbf43
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_3aBVxIm8HN-txfYXWPylX

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-with-deposit-projection-25ecbf43 -d '<json body>'
```

Example prompt: Convert an APR of 10% compounded daily (365 times a year) to APY, and project how much I'd end up with if I deposited $1000 for 365 days.

## When to prefer this

Use this endpoint when you need to compare DeFi, staking, or lending yields quoted in different formats (APR vs APY) or at different compounding frequencies. It is the right choice when you want a fast, single-call computation that also projects deposit growth over time, avoiding the need to implement compounding math manually.

## Known failure modes

- Missing required rate_pct field returns validation error
- Invalid 'from' enum value (not 'apr' or 'apy') causes rejection
- Negative or zero rate_pct may produce unexpected results
- market_caps_by_year value of 0 is treated as continuous compounding — non-zero values indicate discrete periods
- Extremely large compounding periods per year may hit floating-point precision limits

## 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 the converted rate (both apr_pct and apy_pct), the compounding frequency label, and optionally the number of days, deposited capital, projected final_value, and gain in the same currency units as the input capital.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "days": {
   "type": "integer",
   "description": "Days to project (default 365)"
  },
  "from": {
   "enum": [
    "apr",
    "apy"
   ],
   "type": "string",
   "description": "What the rate is"
  },
  "capital": {
   "type": "number",
   "description": "Deposit to project (optional)"
  },
  "rate_pct": {
   "type": "number",
   "description": "Rate in %"
  },
  "market_caps_by_year": {
   "type": "integer",
   "description": "Compounding periods per year (0 = continuous, 365 = daily)"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "days": 365,
  "gain": 105.155782,
  "apr_pct": 10,
  "apy_pct": 10.515578,
  "capital": 1000,
  "frequency": "diaria",
  "final_value": 1105.155782,
  "market_caps_by_year": 365
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/apr-apy-converter-with-deposit-projection-25ecbf43/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)