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How are interest rates calculated?

Interest rates are calculated daily on the capital invested and not disbursed at each moment, based on a year of 360 days and a reference of 30 days per month, without rounding.

In the case of a 6-month deposit, a GNAR of 3.5% will correspond to an effective rate of 1.75% (3.50% * (180/360)). This occurs because the investment corresponds to only half of the year.