Hello altrego,

They are generated by code.  

If you go to Github, ROIcoin/src/main.cpp, are the calculations for PoW block rewards (line 1249):

CAmount GetBlockSubsidy(int nHeight, const Consensus::Params& consensusParams)
{

    if(nHeight < 50)         { return 77 * COIN;}
    if(nHeight < 100 && nHeight > 50)   { return 777 * COIN;}
    if(nHeight < 201 && nHeight > 100)   { return 600000 * COIN;}  //6% Investor Payout.
    if(nHeight < 7884000 && nHeight > 201){ return 120 * COIN;}

    CAmount nSubsidy = 120 * COIN;

    return nSubsidy;
}

We did it this way to re-verify the code functions as we fired up the live chain.  To make sure it was switching from 77, to 777, to 600k then to 120.  You can test, check, verify, and still come across issues.  So we are always checking, cross checking, the re-checking each others work.

I find it puzzling that nobody has asked why 120 block reward?  We took the PoW coinbase of 1 billion, subtracted the premine amount then divided the difference to come up with 120, for each and every block to make 1 billion PoW coins.  We did not want a halving situation because if/when the coin gains value, say $1 / coin, we want miners to make money.  I would be happy getting $120 a day or better with term deposits.  Beats what my Antminer L3+ is doing.  Though I may be biased, I think we have great potential over the long haul.

As far as the second part of your question.  The PoS (Term Deposit), based on observations, the deposit is part of the blockchain, when the coin matures, meeting the PoS requirements, that principle earned then becomes apart of the blockchain on that receiving address used to make the term deposit.  I could be off, this is based on our observations.  When we were working to correct the interest functions while on Testnet.  The tested pre-fork rates would adjust to the post fork rates.

I hope this answers your question.  I too spent the longest time trying to understand "Where in the heck are the PoS coins coming from?"  So questions are always welcome.

ROI could use a rebrand, logo isnt looking pro
what you think bout it?