so does that mean any coins staking on or before day 7 that do not stake before block 20101 they will not earn 269% but will be paid at 16% annual ?
As far as I know, yes that is true. Dev was saying in an earlier post we talked about this, even though you might not get the full 7 days of "growth", everyone is on the same playing field so it averages out. So yes, after growth period it should start paying out at 16%
annual growth.