Editorial policy
Our guides explain Treasuries, savings, stocks, crypto and international money transfers so readers can make their own decisions. This page explains how we research them, where our numbers come from, how we keep them current and how to report a mistake.
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Education, not advice
Our articles are general education. They are not personal financial, investment, tax or legal advice, and they do not recommend any security, coin or provider for your situation. Where we describe a product, we describe how it works, what it costs and what can go wrong.
Sonic Wallet offers its own products, such as Treasury bills, stablecoins and money transfers. When an article mentions one, it is labeled as our product, it appears no more than twice on a page and it never replaces the neutral comparison of alternatives. Commercial considerations do not decide what we say about any product, ours included.
How we research
We work from primary sources first: laws and regulations, official guidance from the IRS, Treasury, SEC, FINRA, CFPB, FDIC and central banks, exchange and issuer documents, and official statistics. We use secondary sources (news reports, research firms) only to add context, and we name them. Every guide lists its sources at the end, and specific figures such as tax limits or insurance caps are tied to a dated source.
We do not publish figures we cannot trace to a source. Where a number changes often, such as a rate or a price, we show it from a live data feed with its date instead of typing it into the text. If a feed is unavailable, the page shows a note instead of a stale or estimated number.
Where our data comes from
| Data | Source | Refreshed |
|---|---|---|
| Treasury bill rates, yield curves and auction results | US Department of the Treasury (home.treasury.gov and Fiscal Data) | Several times a day on business days |
| Inflation (CPI-U) | US Bureau of Labor Statistics | Monthly, after each release |
| Stock and ETF prices | Twelve Data | Daily closes, plus intraday quotes on price pages |
| Crypto prices | Coinbase Exchange (earlier history from Twelve Data) | Daily closes, plus intraday quotes on price pages |
| Stablecoin supply | DefiLlama | Several times a day |
| Exchange rates | Twelve Data and ExchangeRate-API daily reference rates; European Central Bank history | Every few hours |
| Remittance costs by corridor | World Bank, Remittance Prices Worldwide | Quarterly, when the World Bank publishes |
| Remittance inflows by country | World Bank, World Development Indicators | Yearly |
| Tax treaty withholding rates | IRS Tax Treaty Table 1 | When the IRS revises the table |
Our research studies publish their method and a CSV download of the results. You may reuse our study results under the Creative Commons Attribution 4.0 license with a link to the study. Third-party data stays under its provider's terms.
What every guide includes
- A direct answer to the main question in the first lines of the page.
- At least one worked example with real numbers, so you can check the math yourself.
- The risks and costs, not only the benefits.
- The date it was first published, last updated and last reviewed.
- A list of sources, with primary sources first.
Before publishing, every page passes an automated quality check for length, structure, sourcing, broken links, duplicated text and banned promotional language, such as promises of guaranteed returns.
How we use AI tools
We use AI writing tools to help research, draft and edit some articles. AI output is treated as a draft: figures, rules and quotations are checked against the primary sources listed on the page before publication, and the article is reviewed again on its scheduled review date.
Updates and reviews
Every guide is reviewed at least once every 12 months, and sooner when a law, tax limit or regulator's rule changes. Pages about a specific year or event are marked as such and updated or retired when the event passes. The "last reviewed" date on each page shows when it was last checked in full; "updated" shows the last change to its content.
Corrections
If you find an error, email support@sonicwallet.com with the page address and what you believe is wrong. We check the claim against the source and correct confirmed errors promptly, updating the page's date. Material corrections, such as a wrong tax figure, are noted on the page.
Read our guides
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