Understanding Spread

• Capital velocity — how many times capital cycles through your system over a given period. A higher velocity means capital is being deployed and restored more frequently.
• Loan repayment pace — how quickly you are repaying loans to restore capital to your system after deployment. Consistent repayment keeps capital available for future use.
• Net Cash Value — your total cash value minus total loan balances. This shows the overall health of your capital warehouse.

Each of these metrics provides a different lens on your system. No single metric tells the complete story.

Why Spread Is Not the Only Metric

A deployment with a high spread but slow loan repayment ties up capital that could be cycled again. A deployment with a modest spread but fast loan repayment enables the capital to be redeployed sooner, potentially creating more total value through velocity.

Policy Stack presents all of these metrics side by side so you can view the complete picture. It does not rank or prioritize one metric over another.

Removing an Asset from Active Tracking

Deleting an asset from its detail page removes it from active asset tracking while preserving recorded history. Linked cash flows, capital events, documents, and historical ledger context remain available for audit and reporting. Asset-backed records are not hard-deleted as part of ordinary cleanup.

If the asset was created from an older capital record, Policy Stack archives the active asset view and keeps the underlying history attached to the banking-system record. Account deletion and demo reset flows are separate purge paths.

Reading Spread in Policy Stack

The Capital and asset-detail surfaces show recorded asset return and funding context. Individual asset pages show the declared spread alongside cash-flow history and calculated return measures when enough data exists. The Dashboard summarizes Capital at Work but does not rank assets by spread.

Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions on what you should do with your banking system.

Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.