Payout mode is a decision about timing
Before opening a contract, you choose a term and what happens to later credits. Reinvesting keeps profit working inside the current contract, rolling starts another term automatically, and settling moves profit to available balance on the product schedule.
No mode raises the rate by itself. The differences are the base on which later credits may work and the time at which money becomes usable outside the contract.
Reinvest profit: let a credit do more work
With Reinvest profit, actually credited profit remains in the position. If $1,000 hypothetically earns $10, the next period starts from $1,010 rather than $1,000. The next credit follows the strategy result on that larger base and may be different, including smaller.
This suits someone who does not need regular cash releases and wants to retain compounding during the chosen term. At maturity, capital and retained profit move to available balance; a new contract is not opened automatically.
What compounding actually changes
The rule is simple: the new working base equals the previous base plus the actual credited result retained in the position. If a hypothetical $1,000 earns $10 and then another $8, the base becomes $1,018. Under settlement to cash, those $18 would move to available balance while only the original $1,000 continued working inside the contract.
Roll full position: continue into a new term
Roll full position retains profit like reinvesting, but at maturity the full value opens a successor contract for the same term. It suits someone who intends to continue and does not want to make a new decision on the maturity day.
The trade-off for convenience is a new capital lock. If you may need the funds on a particular date, reinvesting without an automatic roll gives you more control over what happens next.
Settle to cash: access instead of compounding
Settle to cash releases credited profit to available balance on the contract schedule. CarryLane Strategy follows its trading-day cadence; Carry Option uses a 90-day cycle. Principal remains committed until maturity and does not become available with an interim profit release.
This mode is useful when you want cash flow on the scheduled dates. Released profit no longer works inside the same position, so those amounts do not increase its future base.
How to choose and when you can change your mind
Answer three questions first: do you need cash during the term, do you want a successor contract automatically, and when will you need the principal? For a longer horizon focused on compounding, reinvesting is often the clearest starting point; rolling adds a new term, settling adds access to interim profit.
You can change an active contract’s mode once every seven days in its settings with PIN confirmation. Changing it does not shorten the term or itself withdraw funds: check the next eligible change date and the payout schedule on that contract.
