> 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.

<a href="https://coinapp.co/pdfs/coin-tt-case-study.pdf" class="button primary">Read Study</a>

### 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

<figure><img src="https://2772193239-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FksLB8OMIe18LYmW7pYCd%2Fuploads%2F0891Rs6CSy4eWXVa9kY4%2FScreenshot%202025-07-15%20at%203.44.57%E2%80%AFPM.png?alt=media&amp;token=3a2927cd-1e69-44bf-beee-6c8140279227" alt="" width="563"><figcaption></figcaption></figure>


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