# accrual Yield math for tokenized real-world assets. A library, a CLI, and an MCP server. Site: https://accrual.tools Token: ACCR on pons v2, Robinhood Chain Contract address: ## What this is Every tokenized treasury product quotes a yield. Almost none publish the day-count convention behind it. The same principal, the same rate and the same dates produce six different interest figures under the six conventions this library implements. That spread is not rounding, it is money. accrual computes those figures. It is a tool first; the token is how it was launched. ## What it does - Year fraction under ACT/360, ACT/365F, ACT/ACT, 30U/360, 30/360 and 30E/360 - Simple and compound accrued interest over a date range - Nominal to effective annual rate conversion, both directions - Present value of a single future cashflow - Bill discount yield versus investment yield, which are not the same number - Bond price, Macaulay duration, modified duration, convexity - Price shock estimates for a yield move, with and without convexity ## What it cannot do It makes no network request, reads no chain state, submits no transaction and holds no key material. It takes numbers and dates and returns numbers. The package has zero runtime dependencies; src/daycount.mjs and src/accrue.mjs import nothing but each other. That is the whole security surface and you can read it in a few minutes. ## For agents An MCP server over stdio exposes eight tools: day_count, accrue_simple, accrue_compound, bill_yields, bond_metrics, present_value, compare_products and year_fraction. Entry point is mcp/server.mjs, protocol version 2024-11-05. The browser bundle at https://accrual.tools/accrual.mjs is the same tested code as the library, assembled from src/ by a build script rather than hand-copied. ## The one rule about conventions Never assume a day-count convention. The three 30/360 variants return 30, 33 and 32 days for 2025-02-28 to 2025-03-31. If a data source does not state its convention, report the spread rather than silently picking one. compareConventions and the day_count tool exist for exactly this. ## Verification 37 unit tests, including hand-traced expected values for the 30/360 variants, round-trip checks between accrual and present value, and a check that convexity genuinely reduces price-shock error versus duration alone. Run `npm test`. ## About the token ACCR has a fixed supply, all of it minted to a pons v2 bonding curve at launch. The creator cannot mint, freeze, blacklist or raise the tax. At 4.2 ETH the curve closes, a Uniswap v4 pool opens, and the liquidity is locked permanently with no withdrawal path for anyone. Buys are taxed 99% at t=0 decaying to 0 across five seconds; sells are never taxed. ACCR pays no coupon and accrues nothing. It is not a security, not a claim on any asset, and carries no redemption right. Despite the name, holding it earns you nothing. The library is the product. ## Not available There is no airdrop, no points programme, no staking, no private round, no allowlist and no API key. Anyone offering you one of these is not us. ## Identifying this project pons does not enforce unique names or symbols, so anyone can deploy a token called accrual. Key on the contract address above and never on the name.