> For the complete documentation index, see [llms.txt](https://docs.xyo.network/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xyo.network/xyo-data-nodes-coin/case-studies/2021-paying-a-30-year-mortgage-with-coin.md).
# 2021 Paying a 30-Year Mortgage with COIN
### Summary
Meet COIN User T.T. He is a Software Engineer working from home in the United States, and he has been able to earn enough with COIN app to completely finish paying his 30-year mortgage. On May 27th, 2021, the COIN he redeemed for XYO Tokens was valued at $70,108.74 USD.
Read Study
### Highlights
* By the time of the case study, his COIN-derived portfolio was valued at **$70,108.74 USD**.
* At the time of his initial survey, it was worth **$47,415.81 USD**, which was enough to **pay off the remaining balance on his 30-year mortgage**.
* In just **2 months**, the portfolio increased by **$22,692.93 USD**, a **48% growth**, with **no additional cost or effort**.
* Across all redemptions, T.T. earned **6,059,528 XYO**, which grew **+2,754.21%** in value overall.
* His earliest redemption of **10,070 XYO at $0.002567** grew from **$25.85 → $116.51**.
* His largest single redemption: **876,058 XYO**, originally worth **$180.03**, later worth **$10,135.99**—a **5,430.17% increase**.
### T.T.'s Feedback on COIN & XYO
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