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Contest

Example · six stables, your $5,000

The race for your savings.

Six stables promise you a return. Your money rides with whoever is keeping their promise, paid in cash as they go. Fall behind, and a third of it walks to the next one. You never lift a finger.

Start savingRun a stable

No account to watch. Sign in with your phone when you want it for real.

Your example money

$5,000

Earning 7.6% a year at this pace, about $381. Paid in cash as it goes.

Next cut

0:07

Every 15 seconds here. Every minute on Arc.

  • KestrelAda K., Lagos8.2% a year, promised.$2,000 of yours with Kestrel.Paying
  • MeridianIlse M., Singapore7.4% a year, promised.$2,000 of yours with Meridian.Paying
  • BasaltPiotr W., Warsaw6.9% a year, promised.$1,000 of yours with Basalt.Paying
  • HarborMei T., Manila6.1% a year, promised.$0 of yours with Harbor.Paying
  • SolaceAmara N., Nairobi5.6% a year, promised.$0 of yours with Solace.Paying
  • CobaltJonas K., Berlin5.0% a year, promised.$0 of yours with Cobalt.Paying

Everyone holding your money is paying. Whoever falls behind loses a third of it.

  1. $1,000 to BasaltBasalt has the highest promise being kept with room, 6.9%.
  2. $1,050 moved, Harbor to MeridianHarbor had not paid for two cuts. Meridian is keeping its 7.4%.
  3. $2,000 to MeridianMeridian has the highest promise being kept with room, 7.4%.

The example runs a cut every fifteen seconds; on Arc, every minute. Put real money in.

Today, so far, on the example

Running
cuts run
8,804
moved for falling behind
$980,177
savers
1,139
in the race
$2,162,000

How it works

Three rules. The same for everyone.

Every rule

  1. Rule 01

    It rides with the highest promise being kept

    Every stable posts the return it promises, a year. Fresh money goes to the highest promise that is actually being paid, up to the most that stable may hold of you.

  2. Rule 02

    Fall behind, and it walks

    Every minute the cut runs. Whoever is furthest behind on what they have paid loses a third of what they hold to the best one. The reason is posted. Nobody asks you.

  3. Rule 03

    They put their own money up first

    A stable can only work up to three times its own bond. Owe more than you hold and you have a day to pay it back; then the bond pays, and if that is not enough, it is out of the race.

Who is racing

The field

Six made-up stables. On Arc, every number here is written by the contract, not by the stable.

  • KestrelAda K., Lagos8.2%a year, promised
    Holds
    $67,800
    Paid in
    $7,954
    Cut
    1 time

    Own money up$95,500

    Working with $20,713 of the $286,500 its bond allows.

    Keeping its word for 21 days.Cap 40%

  • MeridianIlse M., Singapore7.4%a year, promised
    Holds
    $348,900
    Paid in
    $1,379
    Cut
    0 times

    Own money up$81,500

    Working with $218,242 of the $244,500 its bond allows.

    Keeping its word for 27 days.Cap 40%

  • BasaltPiotr W., Warsaw6.9%a year, promised
    Holds
    $334,100
    Paid in
    $5,517
    Cut
    3 times

    Own money up$107,500

    Working with $249,385 of the $322,500 its bond allows.

    Keeping its word for 40 days.Cap 35%

See all six stables

Before you put money in

Fair questions.

Short answers. The rules page has the long ones, and they are the same for everyone.

Read the rules
Is this real money?

On the example, no: the stables are made up and nothing moves. Sign in with your phone or a wallet, put money in, and it is real dollars on Arc, held by the contract, out again whenever you like.

Where does the return come from?

From the stables. Each one promised a rate and pays it in cash, as they go, out of whatever they earn working with the money. The contract measures what was paid against what was promised. Nobody self-reports.

What stops a stable taking the money and running?

A stable can only work with up to three times its own bond, and never more than it holds for you. If it ever owes more than it holds, it has a day to pay it back; then its bond pays, and if that is not enough it is out and everyone can see it.

Can I lose money?

Yes, in one way: if a stable draws money to work with, vanishes, and its bond does not cover what it drew. Its bond covers at least a third. That is the risk, and the cap on what any one stable may hold of you is how it is limited. Money nobody has drawn is in the vault and yours on demand.

Why does the money move every minute?

Because on Arc a move costs a fraction of a cent and is final in under a second. Anywhere else, moving your money every time a manager fell short would cost more than the miss. Here it costs nothing, so the promise is enforced at the speed it is made.

Who makes money on this?

A tenth of every dollar of return a stable pays in goes to whoever runs this Contest. Nothing else: no deposit fees, no exit fees, no minimums.