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Payment Model Calculator (MV=PQ)

Fundamental token valuation via the equation of exchange: market cap, price with locking, burn and inflation effects.

How to use

  • Transaction volume (PQ) — annual economic throughput in dollars flowing through the token.
  • Velocity (V) — how many times per year each token changes hands. Higher V = lower price (token isn’t held).
  • Total supply and Locked from supply — determine the number of tokens in free circulation. Locking (staking, collateral) increases the price of remaining tokens.
  • Burn and Inflation — annual rates as % of supply. Net supply change affects price after one year.
  • The chart shows price vs. velocity. The table displays market cap, price, locking effect, average holding time, and 1-year projection.
  • This calculator inverts the parent-article V_effective formula: given V, it computes the price consistent with MV=PQ on the free float.
Notes on assumptions
  • Y2 projection is linear. The calculator uses P × (1 + B − I) as a single-period approximation. For a compound projection over N years apply P × ((1 + B) / (1 + I))^N (or iterate the per-year formula). At small rates (≤5%) the linear error stays below 0.1pp per year; it grows for longer horizons or larger rates.
  • Lock cap at 90%. The slider is capped at 90% for numerical stability (avoids division by zero as free float → 0). Real protocols can push effective lock much higher — veCRV locks for up to 4 years, Filecoin sector commitments up to 1278 days — so treat 90% as a UI guard, not an economic ceiling.

Calculator

Payment Model Calculator

Formulas

M = PQ / V
  • M — fundamental token market cap (computed)
  • PQ — annual transaction volume in dollars
  • V — token velocity (turns per year)
P_token = M / (Supply × (1 - Locked))
  • P_token — fundamental price per token (computed)
  • M — fundamental market cap (computed above)
  • Supply — total token supply
  • Locked — fraction of tokens locked from supply (staking, collateral)
Supply_year2 = Supply × (1 + Inflation - Burn)
  • Supply_year2 — token supply after one year (computed)
  • Supply — current total supply
  • Inflation — annual emission (fraction of supply)
  • Burn — annual burn (fraction of supply)
  • Assumption: the locked fraction (Locked) remains unchanged in the year 2 projection
Learn more about the model
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