INTERACTIVE MECHANICS EXPLORER

NFT accrual simulator

Accrual, withdrawal fees and USD estimates under your assumptions.

Bank Run
Simulator01 — INDEPENDENT STUDY

A model, not a prediction. Core mechanics follow the whitepaper. Hidden launch parameters are adjustable assumptions. No live data, price forecast or wallet connection.

Model notes

POSITION

NFT accrual

Assumptions, not live prices

Assumed market cap · USD

Assumed circulating supply100 million tokens

Market cap ÷ circulating supply1 STANDARD = $0.10Not FDV: the 1B supply cap is not the circulating supply. Both inputs are hypothetical and stay fixed across days.

Branches in one NFT1 / 10

Starting position only. Expansion costs and future effects are calculated in the strategy comparison below.

Day 7

One NFT · gross issuance accrual at this day’s rate$5.00/ day on paper

50.00 STANDARD / day · branches: 1

One branch: 50.00 STANDARD / day ≈ $5.00

Not a daily payout. This is ledger accrual, excluding redistributed fees. Withdrawal retires branches; tomorrow’s rate can change.

No exits · same price & pool flow$2.00/ day on paper

Selected scenario · token price halves$2.50/ day on paper

STRATEGIES

Hold, expand or withdraw

One action on day 7

Same NFT, wallet and external market scenario. Only your action changes. Starting branches: 1.

Starting wallet · STANDARDAssumed cost per license · STANDARDBranches to addBranches to close

Licenses are paid from wallet tokens, not accrued balances; 100% is burned. Price and immediate availability are assumptions, not an auction simulation.

Result on day 14

7–14

Hold

No action. Keep all branches.

Accrued NFT balance12,269.16STANDARD

Active branches / system: 1 / 400
Share of issuance: 0.3%
Current accrual / day: 50.00 STANDARD
New issuance since action: 350.00
Fees received since action: 0.00
License tokens burned: 0.00
Withdrawal received: 0.00
Withdrawal fee paid: 0.00
Wallet including starting tokens: 5,000.00

Wallet + net exit of remaining branches17,023.68 STANDARD≈ $1,702.37Final exit fee: 2.0%. Includes starting capital; not profit.

Expand

Buy 1 licenses and burn 1,000 STANDARD.

Accrued NFT balance12,617.42STANDARD

Active branches / system: 2 / 401
Share of issuance: 0.5%
Current accrual / day: 99.75 STANDARD
New issuance since action: 698.25
Fees received since action: 0.00
License tokens burned: 1,000.00
Withdrawal received: 0.00
Withdrawal fee paid: 0.00
Wallet including starting tokens: 4,000.00

Wallet + net exit of remaining branches16,364.96 STANDARD≈ $1,636.50Final exit fee: 2.0%. Includes starting capital; not profit.

Withdraw

Close 1 branches after day 7.

Accrued NFT balance0.00STANDARD

Active branches / system: 0 / 399
Share of issuance: 0.0%
Current accrual / day: 0.00 STANDARD
New issuance since action: 0.00
Fees received since action: 0.00
License tokens burned: 0.00
Withdrawal received: 6,494.13
Withdrawal fee paid: 5,425.04
Wallet including starting tokens: 11,494.13

Wallet + net exit of remaining branches11,494.13 STANDARD≈ $1,149.41Final exit fee: 0.0%. Includes starting capital; not profit.

NFT burned. Future accrual is zero.

Strategy assumptions

The action happens after the selected day’s system batch. Added branches earn from the next day and do not receive past issuance. Closing branches removes their share permanently; a partial exit retains only the remaining balance and branches.

Each strategy recalculates its system branch count, issuance shares, seven-day exit pressure and fee redistribution. Other branches follow the original retirement schedule. Pool flow and system issuance follow the same external scenario; trades, auctions and further actions are excluded.

The final total assumes all remaining branches are closed at the result day. That final quote is not executed. USD uses the fixed assumed token price, without gas, slippage, purchase costs or a price reaction to burning and minting.

WITHDRAWAL

Withdrawal estimate

NFT ledger balance: 11,919.16 STANDARD. Includes the assumed opening balance, not just new earnings.

Branches to retire

Gross released balance11,919.16 STANDARD

Illustrative exit fee · 45.5%−5,425.04 STANDARD

Net tokens after retirement6,494.13 STANDARD≈ $649.41

Dollar equivalent before slippage and gas, not a sale quote or profit. No liquidity or NFT acquisition cost is modeled.

All branches retired: the NFT charter is burned. No future accrual.

How these numbers are calculated

Daily tokens = current system issuance rate ÷ active branches × your branches. Your NFT represents equally funded branches already in the simulation; changing its branch count does not open new branches.

The exit quote adds your withdrawal to the selected day’s trailing 7-day gross withdrawals and recalculates the fee before redistribution. It does not change the simulation or reuse the earlier cohort’s fee.

Market cap and supply are independent valuation assumptions, not derived from this toy ledger. Accrued tokens are not circulating tokens. A withdrawal can increase supply; this model does not forecast that price impact.

THE SYSTEM AT DAY 07 Contraction scenario

Active branches400/ 1,000

600 retired permanently

Modeled exit fee45.9%

57.4% rolling exit pressure

Daily issuance rate20KSTD

0.20× assumed base rate

Accrued balance per branch

Accrued balance per branch · $STANDARD, not cash

DAY 7

Selected · Day 711,919 STANDARD

Hover to inspect. Click or use arrow keys to select a day.

Selected scenarioNo exits · same pool flowPale line: remaining simulated days

Day 7

↗

11.92K STANDARD accrued per surviving branch.

1.52K more than the no-exit baseline at the same pool flow. Fewer branches split new issuance, and half the exit fees return to the remaining ledger. This is not a cash return: exiting still incurs a fee, and token price can fall.

SYSTEM TOTALS

Withdrawal distribution

Cumulative through day 7 · STANDARD units

01Released by retiring branches6.33M

Gross accrued balance leaving its original branches.

02 / TO EXITERSTokens paid to wallets4.93M

After the fee. Not equivalent to ETH received.

03 / HALF THE FEERemoved permanently697.98K

Burned fee entitlement, in token-equivalent units.

04 / HALF THE FEERedistributed to stayers697.98K

Accrued to surviving positions, not immediately cashed out.

POOL POLICY

Pool flow and fee routing

Retiring a branch releases tokens. Selling those tokens into the pool is a separate action. The pool’s ETH flow drives monetary policy.

Pool flow assumption-20 ETH / day

70% of protocol ETH feesBuyback vault

Remaining fee allocation15% liquidity · 15% team

Routing only — no trading fee revenue, pool execution or token-price model is invented here. Buybacks do not guarantee price support.

BANK BALANCE

Ledger balances

Still accrued in the bank4.77M STANDARD

Daily rate per surviving branch¹50 STANDARD / day

Balances are accounting entries until withdrawal. A larger token balance is not proof of a larger dollar value.

¹ At the current multiplier, before the next policy update.

MODEL DETAILS

Model documentation

Whitepaper v0.1

Documented mechanics

Branch retirement releases its proportional accrued balance and removes its future issuance share.
A quadratic resolution fee rises with trailing 7-day withdrawal pressure. Half is burned; half goes to remaining bankers.
Issuance is shared across branches. Policy reads two completed epochs; fee routing reads current flow.
1B supply cap: 100M genesis tokens and a 900M cumulative issuance budget.

Explicit model assumptions

System chart: 1,000 equally funded branches; one-day epochs; no new branches, auctions, dormancy or charter transfers. At least 50 branches stay. Strategy comparisons separately apply your expansion or withdrawal.
Daily batches accrue issuance, retire branches, then redistribute fees equally per surviving branch. Actual transaction order can differ.
Fee = floor + (ceiling − floor) × min(pressure / saturation, 1)². Pressure includes today’s batch: W / max(D + W, 1), before fee redistribution. W is gross withdrawals in the current and previous six days; D is the remaining ledger.
Multiplier starts at 1×, rises by 0.05 for a positive two-epoch signal, falls by 0.15 for a negative signal, stays flat at zero; bounded at 0.20–1.25×. Pre-simulation flows are zero. All these policy values are assumptions.

Not a contract replica

Official launch values are redacted. The whitepaper is a design overview, not an implementation specification.
Dollar values use a fixed assumed market cap and circulating supply, not a price forecast. No slippage, ETH redemption, live reserves or solvency calculation. Staying is not a guaranteed winning strategy.
Fee burning is tracked as cancelled token entitlement, not asserted as an onchain mint/burn event.
The initial ledger counts toward the 900M budget. Only new base issuance consumes further budget; recycled fees do not.
Rush timing: 40%, 20%, 13%, 10%, 7%, 6%, 4% of the planned exits across seven days. Branch counts are rounded.

Source checked 9 September 2026: §9 Withdrawals · §5 Monetary policy · §11 Fee routing. Independently built; not affiliated with or endorsed by Standard Reserve or 0xbeans.

Daily ledger Inspect the numbers behind the chart

All values are simulated. Balances and payouts are in STANDARD.
Branches	Exit fee	Multiplier	Per branch	Paid to wallets	Fee burned	Redistributed
1,000	2.0%	1.00×	10,000	0	0	0
760	9.7%	1.00×	10,254	2,189,357	117,322	117,322
640	18.9%	0.85×	10,550	3,198,183	234,881	234,881
562	26.5%	0.70×	10,856	3,809,029	345,170	345,170
502	33.2%	0.55×	11,171	4,247,858	454,357	454,357
460	38.2%	0.40×	11,447	4,539,913	544,591	544,591
424	42.8%	0.25×	11,710	4,776,592	633,271	633,271
400	45.9%	0.20×	11,919	4,929,357	697,977	697,977
400	28.9%	0.20×	11,969	4,929,357	697,977	697,977
400	18.9%	0.20×	12,019	4,929,357	697,977	697,977
400	12.0%	0.20×	12,069	4,929,357	697,977	697,977
400	7.0%	0.20×	12,119	4,929,357	697,977	697,977
400	4.1%	0.20×	12,169	4,929,357	697,977	697,977
400	2.4%	0.20×	12,219	4,929,357	697,977	697,977
400	2.0%	0.20×	12,269	4,929,357	697,977	697,977