Portfolio
Overview
Section titled “Overview”The Portfolio page provides a real-time overview of all assets in the user’s Qaay Account.
This page displays the total portfolio value in USD. Values are separated between the Savings section and the Account Credit Line section. It also provides detailed information for each asset, including its current location and associated services.
Overall, the page provides a structured, visual representation of capital distribution. It serves as the primary financial visibility interface within the Qaay ecosystem, offering users a clear and comprehensive view of their overall financial position.
Concepts
Section titled “Concepts”| Term | Definition |
|---|---|
| Savings Value | Assets allocated for earning services or withdrawal. |
| Credit Line Value | Assets held in this account may serve as collateral within the credit system after their Loan-to-Value (LTV) ratio is calculated and evaluated against the Outstanding Principal |
| Fixed Term | These are assets that are locked in time-based earning contracts for a specified period. |
| Lender | Assets allocated to liquidity participation contracts. |
| Real-Time Pricing | Continuous asset valuation powered by the Qaay Prism macroservice. |
Introduction
Section titled “Introduction”The Portfolio page consolidates all user assets into a unified valuation model while maintaining their functional classification. Total Portfolio Value is the sum of all cryptocurrencies held within Qaay, converted to USD using live pricing data. Valuation updates continuously through the Qaay Prism macroservice, which aggregates price feeds from multiple centralized and decentralized sources, normalizes them with proprietary algorithms, and applies Flash Crash Protection to filter abnormal volatility. Assets remain categorized by operational role. Savings assets are available for earning mechanisms such as a Flexible Term. Credit Line assets serve as collateral for borrowing calculations. Fixed Term and Lend allocations remain locked but continue to contribute to the total portfolio valuation. The interface also provides direct access to operational services, including Swap, Transfer, Deposit, and Borrow.
Qaay provides built-in analytical tools on the Portfolio page that allow users to clearly review the status of their assets and the financial condition of their account. By displaying the real-time USD value of assets, separating values between Savings and Account Credit Line, and presenting a chart of portfolio value changes over different time periods, this page helps users gain a clear view of their asset composition and how it evolves over time.
Since Qaay is a specialized platform focused on credit and lending, the analysis provided on this page is not limited to simple asset monitoring within Qaay. It also helps users better understand how their asset position relates to credit-related factors, such as assets allocated to the Credit Line and their risk exposure. Additional analytical capabilities may be introduced in future platform updates, and further details will be communicated through official Qaay announcements.
Portfolio Rules
Section titled “Portfolio Rules”Assets appear in Portfolio once they are recorded in Qaay’s internal accounting system after deposit confirmation or internal transfer.
Deposits are initially credited to the Credit Line. Users can reallocate funds between Savings and Credit Line using the Transfer feature without affecting total ownership.
Locked allocations, such as Fixed Term or Lend, remain part of the Total Portfolio Value even though they are not immediately available for withdrawal.
Reward earnings from Flexible Term, Fixed Term, and Lend are automatically included in Total Portfolio Value once credited to the account. Referral-based USD rewards are excluded from Portfolio valuation until redeemed into Savings. Cryptocurrencies with zero balance are not displayed in the asset list.
The analytical components displayed within the Portfolio dashboard, including charts, valuation indicators, and structural metrics, are dynamically generated by QAAY Oracle and internal calculation engines. These analytical datasets are not available as file-based exports. However, users retain full access to their transactional data. Detailed transaction history, asset movements, and balance changes can be accessed and downloaded at any time via the Transactions section.
Total Portfolio Value updates automatically after any deposit, withdrawal, swap, borrowing event, repayment, earning credit, or transfer. Borrowing increases overall portfolio assets by adding the disbursed Value to the account balance. However, debt exposure is tracked separately and does not reduce the displayed asset value. The Portfolio Chart tracks historical changes in Total Portfolio Value across selectable timeframes, such as 1 month or 3 months. Sudden increases or decreases may result from market volatility, asset transfers, earnings allocations, or borrowing activity. Users may click any listed cryptocurrency to access detailed asset information, including quantity and valuation.
The Portfolio section focuses on real-time asset valuation, presenting information based on live market data. This section provides a clear view of a user’s current asset status, allowing users to monitor asset values in real time.
Usage Guidance
Section titled “Usage Guidance”The Portfolio page should be used as a real-time capital-monitoring tool, not solely as a price-tracking interface. Users should regularly evaluate the distribution between Savings and Credit Line to ensure alignment with their financial strategy.
Savings supports earning flexibility, while Credit Line supports Credit Limit. Because asset valuation depends on live market pricing, temporary fluctuations are normal. Strategic decisions should be based on allocation structure rather than short-term volatility.
Users’ account security is protected through authentication layers and two-factor verification, ensuring that portfolio control remains tied to account credentials rather than device ownership. Portfolio integrates asset visibility, structural allocation, real-time pricing, and operational access into a single financial control interface within Qaay.