That's interesting from where the coins that are generated from the deposit come from, it is not POW and not POS? How can be called this method of generation coins.
You are correct and I would add the staking coins and the term deposit coins are not added as a typical POS as you find in nearly all other coins.
The wallet code creates coins out of thin air and adds them to the wallet every single block of the block chain. This strategy creates some very unique benefits that other coins can't offer such as:
ROI coin does not compete its users against each other. A user with 10 coins gets the exact same payout as a user with 100 million coins the percentage is exactly the same. This matters because all to often with staking coins whale wallets have more weight and so smaller users struggle to get payouts.
ROI coin pays out every single block of the block chain. This matters because it allows a user to predict and know with certainty what the payout stream will be. Other coins can be hard or impossible to precisely predict POS payouts because of how that works. This is a benefit to people who like to make calculations and predictions when analyzing if a coin is worth investing in.
ROI coin pays out staking and term deposit in such a way that your wallet can be locked and/or completely off line. A user with a wallet running day and night will get the exact same payout as a user that leaves there wallet shut off day and night. This matters because some people are not able to leave a computer running and if so they are not punished with reduced payouts. The next time they turn on their computer and the wallet syncs all of their coins are added just as if the pc had never been turned off. Another benefit of this is cold storage. With ROI coin you could term deposit coins for 1 year and then export those to a paper wallet and place it in a desk somewhere. 1 year later you can import those coins back in and all of your rewards are there even though the coins were offline for the last 12 months.
There are other benefits and thinking behind this design but without getting into a lengthy discussion the non-competitive nature of the coin is a push to make the coin more fair and suited for mass adoption. The term deposit feature is a push to control or reduce dumping by enticing people to take their coins out of circulation in order to capture the increased payout rewards.
A couple of things you need to be aware. Coins sitting in the wallet and staking will stop staking after 30 days and will need to be moved/reset to begin staking again. Coins that have completed their term deposit will also need to be moved/reset to begin staking again. This is to push for people to stay engage and occasionally resync their wallets. We don't want users to just forget about the coin.
Last but certainly not least be sure to enjoy and make full use of these payouts while you can. In the future and to control any inflation issues the payout percentages will be reduced and this will be a product of market data, community input and of course some good old common sense.
