Okay, so the POS rate, while technically correct, is misleading.  There is no possible way the coin can yield a 12% return given a 30-day maturation.  This current setup is detrimental to the coin and incentivizes people to keep their wallets shut down.  This does not help the CIF network.

If I deposit 10K CIF in my wallet on Nov 1, it won't start staking until Nov 30.  If it stakes 30-days later I get 100 CIF and then I have to wait another 30 days for it to  mature again.  That means I get 100 CIF in 90 days.  If I deposit the coins and then shut the wallet down and open it a year later, I get the full 12%.  If someone stakes more often than 30 days they are screwed.  

I think CIF has merit, but the reward for being a CIF holder isn't that great under the current setup.  The potential exists for the coins to be maturing for more time than they actually stake. 

You will need to raise the interest rate or lower the maturation period.  People will lose interest rather quickly.