MX|US
INVERZA

Methodology

Data sources

INVERZA obtains its data exclusively from official and public sources. We do not generate, estimate, or modify the reported rates.

United States

  • FRED (Federal Reserve Economic Data): API from the Federal Reserve Bank of St. Louis. We obtain Treasury yields (1M, 3M, 6M, 1Y, 2Y, 5Y, 10Y, 30Y) and Federal Funds Rate.
  • TreasuryDirect: U.S. Department of the Treasury API.
  • Official websites: HYSAs (Marcus, Ally, Wealthfront, SoFi) and CDs rates are sourced directly from their official websites.

Update process

  1. Daily fetch: An automated process (cron) queries the APIs every day at 6:00 AM CST.
  2. Validation: Each value is validated within the 0-100% range and its numeric format is verified.
  3. Integrity hash: A SHA-256 hash of the raw response is calculated to detect changes and ensure integrity.
  4. History: Each query is stored as a snapshot, allowing you to see the history of changes for each rate.
  5. Alerts: If a rate changes significantly or the fetch fails, an alert is generated.

Simulator

The simulator calculates estimated returns based on the most recent rates. It offers two modes:

  • Simple simulation: Calculates the return for a given amount and term on a specific product.
  • Smart dispersion: Automatically distributes your capital across multiple products to maximize returns, respecting each product's limits (tiered rates).

Calculation uses simple return: Capital x (Rate/100) x (Days/365). Results are estimates and do not guarantee future returns.

Legal disclaimer

The information presented is for informational and educational purposes only. It does NOT constitute financial advice, investment recommendation, or offer to sell. Rates come from official public sources (Banxico, CONSAR, FRED) and are updated automatically. Past returns do not guarantee future returns. The simulator is an estimation tool. Consult a certified financial advisor before investing.