So it looks like the "math" on figuring out staking vs. CRISP was way easier than I thought.
Staking is 2% annually if 100% of all coins are staking, which is highly unlikely. 50% of the coins staking at any one time is much more likely, and that would yield a return of 4% annually for those staking coins.
Q: How do I earn the interest reward?
A: Our Cryptocurrency Investment Savings Plan (CRISP) payouts occur approximately once per month. All coins that havent moved address during that month period will accrue a 0.5% interest, which compounds to roughly 6.17% per annum. If you move your coins during that time, those coins will not receive the interest for that month.
With CRISP, you get 6.17% annual return. To be able to beat that with POS you'd have to gamble on only roughly 1/3 of the total coins in circulation staking, which could happen. I'd have to do some research on other POS coins to see what percentage of their coins are typically held for staking, and I will try to pay attention to what DNotes' stats on that are as they develop.
The drawback of going the CRISP route is that you basically can't move your coins ever in order to get those rewards, whereas with staking you can move coins any time you want and still get staking rewards on the remaining ones. SMART Cash coin has a similar program in which as long as you don't touch your balance, you get monthly staking rewards, but if you make a single withdrawal, then you lose out on the next round of rewards for that address.
In the end, the question for me is the one Denver Dan brought up, which is: is it technically feasible to do both? Can I send coins to a wallet address and stake them for that 2%, and *also* collect the CRISP reward if I don't move the balance? Or do I have to choose one?
Finally, if the CRISP rewards are so much better than regular staking rewards, then how is is sustainable? Where are the reward coins for CRISP coming from?
Another final question: When does the next period of "don't move your balance if you want the next CRISP reward" begin? Has it already begun? Or does it start sometime in the near future?
I just logged into my DNotes Vault account for the first time since the swap and I'm wanting to make the best decision about what to do with the coins currently held there.