Just for a little more clarification for the CRISP;

Today, before the launch of DNotes 2.0, the only way to earn interest is to enroll in the retirement plan at either a 5y,10y, 15y or 20y plan? 
There's no interest accrual by just storing your DNotes in the vault?

When DNotes 2.0 is launched, this will change by not having to enroll in CRISP, but just to HODL in the vault?

Then additionally, we'll be able to stake our coins from the same vault account?