From the Savecoin FAQ
http://savecoin.co/?page_id=61 How is it possible to be paid interest? Isnt that just mining?
Interest payments are made from an allocated amount of SaveCoin that have pre-mined prior to public release of the SaveCoin software. This amount is 20 million SaveCoin of which
19 million will be used to pay interest which will never be available to the public and 1 million will be kept aside for use on exchanges to promote growth and stability of SaveCoin. Interest payments are not the same as mining. Mining brings new SaveCoins in to existence by using computing power meanwhile interest payments are made from allocated coins that will be paid only if you have a balance in your wallet. Interest payments do not require you to use any computer power at all and do not need you to keep your SaveCoin wallet software running as interest payments will be made regardless.
cheers.