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The APY shows on the UI is sum of `baseAPY` and `rewardAPR` (not a typo, it is APR, not APY).

## Base APY

Base APY is the APY that you get when you deposit (or you need to pay when you borrow).

Base APY is simply = $(dailyRate + 1)^{365} - 1$

DailyRate is `supplyRatePerTimestamp` (or  `borrowRatePerTimestamp`) multiplied by `86400` (number of seconds in day).

## Reward APR

Let's take PLY reward in deposit pool for example. There is a `rewardSpeed` indicates how much PLY we will give to a market per second as reward. We can calculate the reward value per second: 

`rewardValueUSD = plyPrice * rewardSpeed`.

Then the reward APR is calculate as follow:

`APR = rewardValueUSD * (seconds in years) / (total deposit in USD)`

