Unfortunately no that's not how it works, please do the maths to calculate the max supply from halving and you will see. And even there 37% is very high especially when they don't mention it.
No matter the amount of premined coins, what matters is the halving period in amount of blocks, and the block reward. Since the minimal value of a block is 0.00000001 (1 satoshi in term of decimals). then the minimal amount of produced coins at the last block containing coins will be 0.000000015151.
And after that, no halving will be possible since if we divide per 2 the 0.000000015151, then it goes below 1 sat (or 0.00000001) which makes the last possible block with coins stopping at 84 mil. max coins
once again, no matter the amount of premined, this value will not change as long as there are two values in code: 1- block reward 2- halving period
So there is truly 59.52% premined at the end
Even there if im wrong which is truly possible, personally i think that 37% is too much once again mostly if they dont mention it
that's not fair to the miners who spend in mining cost without knowing where they truly going to send their hashrate intoAnyway, it's a personal choice, nobody's forced to join the project, only shared my thoughts
When it comes to halving, unfortunately I have no idea how to calculate it exactly, do not mention to improve such situation, so I will skip this topic.
As for the amount of premined coins, even 10% in my opinion is a large amount. I think that the most optimal and number that can be accepted with understanding by the community is 5%.
I used to mine coins myself, I don't want to short change miners. how can we fix this. Maybe setup a miner fund once the reward count is low and send them some coins from the founders fund.
