Topic: Staking-as-a-service, Opinions? (Read 298 times)
I think if you have crypto already invested in dash then you should stake. If you invest in a miner you have already lost that money so I think it is ok to give someone else your dash funds. YOu have already given people your funds with mining and have nothing in return and if you think about it like that it starts making more sense to risk investing. I will say though that I highly dislike the idea of staking among other people since all that staking power gets centralized into very few wallets and the rest of those who are staking have to compete with that weight. Unless you talking about Master node staking in which case each node uses the same amount of coins or tokens as collateral.
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I don't know about this project but my advise is to look for old staking coins, they will give you rest of mind, my experience with new staking coins are bad, they mostly end up a scam or you can wait for ETH staking upgrade
Hi @Novatech8
May I ask which staking coins you have experience with?
I don't know about this project but my advise is to look for old staking coins, they will give you rest of mind, my experience with new staking coins are bad, they mostly end up a scam or you can wait for ETH staking upgrade
There has been some places that is doing this but the most recent and huge one is binance. The problem is that you are not making too much money so people do not see it as a way of making money.
Everyone thinks that when you give people 3% or less they would see it as an investment or some sort of savings account type of thing you make money but in the end there are many many poor countries in the world with higher than 3% interest rate already, even freebitcoin as a company gives 4% bitcoin return and why would I pick an inferior bad altcoin that gives me 3% or even 4 when I could just pick the OG coin bitcoin with 4% interest rate? So, only time it will actually get more popular will be when people actually have coins that gives them 10% or more which would make sense to invest into.
Everyone thinks that when you give people 3% or less they would see it as an investment or some sort of savings account type of thing you make money but in the end there are many many poor countries in the world with higher than 3% interest rate already, even freebitcoin as a company gives 4% bitcoin return and why would I pick an inferior bad altcoin that gives me 3% or even 4 when I could just pick the OG coin bitcoin with 4% interest rate? So, only time it will actually get more popular will be when people actually have coins that gives them 10% or more which would make sense to invest into.
Thank you el kaka22. I know about Binance but I prefer working with a Swiss exchange rather than a Chinese. Why do you say you can not make too much money? SMART VALOR gives up to 6.9% which is a lot especially since I see it as an alternative for interest which is equals to 0 or even negative here in Switzerland. Even 4% would be fine for me since I am in crypto for the long term.
There has been some places that is doing this but the most recent and huge one is binance. The problem is that you are not making too much money so people do not see it as a way of making money.
Everyone thinks that when you give people 3% or less they would see it as an investment or some sort of savings account type of thing you make money but in the end there are many many poor countries in the world with higher than 3% interest rate already, even freebitcoin as a company gives 4% bitcoin return and why would I pick an inferior bad altcoin that gives me 3% or even 4 when I could just pick the OG coin bitcoin with 4% interest rate? So, only time it will actually get more popular will be when people actually have coins that gives them 10% or more which would make sense to invest into.
Everyone thinks that when you give people 3% or less they would see it as an investment or some sort of savings account type of thing you make money but in the end there are many many poor countries in the world with higher than 3% interest rate already, even freebitcoin as a company gives 4% bitcoin return and why would I pick an inferior bad altcoin that gives me 3% or even 4 when I could just pick the OG coin bitcoin with 4% interest rate? So, only time it will actually get more popular will be when people actually have coins that gives them 10% or more which would make sense to invest into.
Hey guys I am not very familiar with the topic of staking and staking-as-a-service. But I just saw yesterday evening that SMART VALOR a Swiss crypto exchange started their staking campaign where you can either stake Dash or their native token VALOR.
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
Staking has been here since the dawn of POS. Dash community nodes were the first of such staking services I knew. Now many of exchanges and staking websites provides rewards for staking. There are 2 types of ways services claims to stake. There are coins that are POS like LISK or gives rewards to users for holding them like NEO or rewards for nodes and masternodes like DASH. Here the service provider does all the job for small investors and take a cut from the profit. Another way is exchanges reward a fixed amount for maintaining liquidity in the exchange. Though it's not a real staking, many of the exchanges advertise rewards on holding a coin on exchange as staking.
Hey guys I am not very familiar with the topic of staking and staking-as-a-service. But I just saw yesterday evening that SMART VALOR a Swiss crypto exchange started their staking campaign where you can either stake Dash or their native token VALOR.
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
Staking has become part of an exchanger service. With staking, we can get passive income but the most important thing is we must trust first with the exchanger where we store coins. If exchangers become coins that we have, I think staking will be a new and profitable thing
Staking use to be a good cash cow for investors before 2018 bull run, the bear market kill most of this because they kill dumping and most people lose money, but recently exchanges are looking into this staking business reason being that most people keep their tokens on exchanges and they can get reward holding them
Okay thank you disconnectme. But the exchange can not use my coins or tokens when I gave them for staking since they are locked up I thought. So why should SMART VALOR give back 100% of the revenues and not take a fee???
I do not believe that they will give you 100% of the revenues back. This makes no sense to me, they must take a fee. How would they otherwise make any profit?
Staking use to be a good cash cow for investors before 2018 bull run, the bear market kill most of this because they kill dumping and most people lose money, but recently exchanges are looking into this staking business reason being that most people keep their tokens on exchanges and they can get reward holding them
Okay thank you disconnectme. But the exchange can not use my coins or tokens when I gave them for staking since they are locked up I thought. So why should SMART VALOR give back 100% of the revenues and not take a fee???
Staking use to be a good cash cow for investors before 2018 bull run, the bear market kill most of this because they kill dumping and most people lose money, but recently exchanges are looking into this staking business reason being that most people keep their tokens on exchanges and they can get reward holding them
I thought that all Proof of Stake coins are allowed to do this. I mean there are a lot of platforms that are offering combined or partly staking of all famous coins, including DASH, but in my opinion it is not worth doing.
Hey guys I am not very familiar with the topic of staking and staking-as-a-service. But I just saw yesterday evening that SMART VALOR a Swiss crypto exchange started their staking campaign where you can either stake Dash or their native token VALOR.
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
I think it's good as long as we trust the exchanger who runs the staking program. If we plan to hold it in the long run, this staking program will benefit because our goals are achieved and also get passive income
Yes you are right, after reading a little bit more into the topic of staking I think I understand it better. So staking is actually a win-win situation. Not only the staker but also the network will profit from it. Also I am wondering now why SMART VALOR should give back 100% of the revenues makes no sense?
Hey guys I am not very familiar with the topic of staking and staking-as-a-service. But I just saw yesterday evening that SMART VALOR a Swiss crypto exchange started their staking campaign where you can either stake Dash or their native token VALOR.
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
I think it's good as long as we trust the exchanger who runs the staking program. If we plan to hold it in the long run, this staking program will benefit because our goals are achieved and also get passive income
Hey guys I am not very familiar with the topic of staking and staking-as-a-service. But I just saw yesterday evening that SMART VALOR a Swiss crypto exchange started their staking campaign where you can either stake Dash or their native token VALOR.
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
Lol. Reading this thread is like watching the OP play with all those who took the effort to respond. You are not familiar with the topics of staking and staking-as-a-service but you are very familiar with what SMART VALOR is offering using their native token VALOR? You deserve to get credit for shilling for this project with cunning style. Those all-caps words are making everything obvious. Avoid it. Lol. But I kind of like their services though to be honest.
Hey NathanJB yes I am not very familiar with staking/staking-as-a-service that why I am asking but I know the exchange since I buy crypto on it.
I just copy paste their announcement and this makes you belive I am "very familiar" with it
thank you but I am not. The company name is written SMART VALOR in all-caps do you expect me to write the name wrong? Sorry I do not get your points... I am interested why you "kind of like their services" could you say more about that? Hey guys I am not very familiar with the topic of staking and staking-as-a-service. But I just saw yesterday evening that SMART VALOR a Swiss crypto exchange started their staking campaign where you can either stake Dash or their native token VALOR.
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
Lol. Reading this thread is like watching the OP play with all those who took the effort to respond. You are not familiar with the topics of staking and staking-as-a-service but you are very familiar with what SMART VALOR is offering using their native token VALOR? You deserve to get credit for shilling for this project with cunning style. Those all-caps words are making everything obvious. Avoid it. Lol. But I kind of like their services though to be honest.
Invest with caution because you dont control the funds. The exchange can ran-away with it when they decide to close down
Almost all of the big exchange are already doing this staking feature and it is getting interest but its better to stake it your own if possible its much safer and the profit goes directly to you.
Almost all of the big exchange are already doing this staking feature and it is getting interest but its better to stake it your own if possible its much safer and the profit goes directly to you.
Yes you are right but before I have the 72k USD I will probably use the services of SMART VALOR. I know the exchange since I attended their crypto summit last year which was the biggest crypto event in Switzerland. Also as I stated before the team is public and they are located in Switzerland and no shady place contrary to many other crypto exchanges. But yes if I do not know the exchange, I would not give them my coins for staking.
Hey guys I am not very familiar with the topic of staking and staking-as-a-service. But I just saw yesterday evening that SMART VALOR a Swiss crypto exchange started their staking campaign where you can either stake Dash or their native token VALOR.
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
I have never been interested in such passive income earning projects, and I would not recommend it to others. The amount you send will remain in their cold wallet for 1 year and you do not know what will happen at the end. It is even more important than reliability of exchange. To me, the coin is yours as long as it is in your wallet, but if it is elsewhere, you should be nervous until you get.
Hey tenakha thank you for your opinion. I did check the lock up period with SMART VALOR they stated that you can get your lock uped coins whenever you want back and there is no lock up period of 1 year compared to other exchnages. Think I got it right -> https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
Invest with caution because you dont control the funds. The exchange can ran-away with it when they decide to close down
Almost all of the big exchange are already doing this staking feature and it is getting interest but its better to stake it your own if possible its much safer and the profit goes directly to you.
Almost all of the big exchange are already doing this staking feature and it is getting interest but its better to stake it your own if possible its much safer and the profit goes directly to you.
Staking got good profits but depends on the exchange you are staking...I could vividly remember of an exchange I do staking in that exchange, truth is, it has been awesome so if you want to stake and earn something substantial, ensure you follow the right exchange with good rules and good profits regarding staking. I bet you you will keep earning but if you go to some exchanges with low staking rewards especially duration you will end up hating staking. To you proper research for good exchanges with good staking process and reward.
Hey guys I am not very familiar with the topic of staking and staking-as-a-service. But I just saw yesterday evening that SMART VALOR a Swiss crypto exchange started their staking campaign where you can either stake Dash or their native token VALOR.
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
I have never been interested in such passive income earning projects, and I would not recommend it to others. The amount you send will remain in their cold wallet for 1 year and you do not know what will happen at the end. It is even more important than reliability of exchange. To me, the coin is yours as long as it is in your wallet, but if it is elsewhere, you should be nervous until you get.
Its not safe to stake coins on exchanges, its better to find coins that allow staking in your very own wallet and get the reward paid to your wallet without moving your coins or tokens out, one more warning, if the project is a new staking one then be careful cos they are mostly scam
There are exchanges that do "staking", but they are most times done to their indigenous tokens or coins. For instance, Kucoin does that through KCS, which is the token inherent to that exchange. However, I will not advise staking on just any exchange and no matter how the exchange can be trusted, mind the amount you stake, because you never can tell, the security of the exchange might a get compromised someday. Staking service or staking pool has happened from many years ago until today, only PoS based project can do that.
If I can afford to hold it by myself, I would rather stake it on my own VPS other than giving it to the exchange.
But if you do not know how to do it or do not want to keep maintain it, giving it to the service provider is fine too.
This is not interest buy staking the coin to get a new coin because of proof of stake consensus.
If I can afford to hold it by myself, I would rather stake it on my own VPS other than giving it to the exchange.
But if you do not know how to do it or do not want to keep maintain it, giving it to the service provider is fine too.
This is not interest buy staking the coin to get a new coin because of proof of stake consensus.
Hey Javi_Anibarro thank you for your answer. Okay I have never heard of it before, thought this is something new. You are right about your two last points but your missing a big one which is the most important in my case. For staking Dash yourself one must host a masternode which requires 1000 Dash which is currently nearly 72`000.- USD, I don’t have so much cash available
so with using the service of SMART VALOR, if I understand it correctly, I can profit from the 6.9% rewards without needing to invest 72k USD. Have you ever heard something called shared masternode before? it works the same as staking pool, shared masternode helps you to run 1 masternode even though you do not have a full coin to run 1 masternode. With shared masternode, you and other people together collecting 1000 Dash to run 1 masternode. That is exactly what the exchange is trying to provide. I was talking about it before, the staking pool and shared masternode are technically the same.
Its not safe to stake coins on exchanges, its better to find coins that allow staking in your very own wallet and get the reward paid to your wallet without moving your coins or tokens out, one more warning, if the project is a new staking one then be careful cos they are mostly scam
For staking Dash yourself one must host a masternode which requires 1000 Dash which is currently nearly 72`000.- USD, I don’t have so much cash available
Neither do I, and I wish I did. There are masternode hosts which seem pretty cheap to me on a per month basis. I checked the earnings calculator the other day for how much you can earn with a Dash masternode, and it isn't a really large amount given what Dash is currently trading at. It was something like 5 Dash/month for 1000 Dash as collateral.Dash isn't a staking coin, by the way but I think you know that. I'm not sure I'd participate in a masternode pool if those exist. It would be much more profitable (I think) to just stake another coin like Neo, Navcoin, or pivx. At the very least you're in control of the staking and your coins.
Thank you Rodeo02. Yes this is exactly my point I don’t have the 72k USD to participate. This is why I am considering using their service because so I can profit from the rewards without investing so much money. I dont think/hope this is a problem with SMART VALOR their team is public and they operate out of Switzerland no shady place compared to the locations of many other crypto companies
So what is their deal? Can you somehow stretch it here?
Staking needs some coins. This means you will still invest something to them. Example is you will have a share instead buying the whole 1000 DASH.
I hope I am understanding it right.
If not, please enlighten me more about this.
Will they run a pool for different users until they fill up the whole pool for the staking process? I guess that is what is happening here.
Yes in the Dash example you would need 1000 Dash to host a masternode to get the rewards. The staking-as-a-service from SMART VALOR offers you to participate without having 1000 Dash, 1 is enough.
No not a pool, since SMART VALOR is also an exchnage they anyways need to hold larger amount of Dash for liquidity. On their website they stated that as soon as you stake your coins with them staking begins.
So what is their deal? Can you somehow stretch it here?
Staking needs some coins. This means you will still invest something to them. Example is you will have a share instead buying the whole 1000 DASH.
I hope I am understanding it right.
If not, please enlighten me more about this.
Will they run a pool for different users until they fill up the whole pool for the staking process? I guess that is what is happening here.
Thank you Rodeo02. Yes this is exactly my point I don’t have the 72k USD to participate. This is why I am considering using their service because so I can profit from the rewards without investing so much money. I dont think/hope this is a problem with SMART VALOR their team is public and they operate out of Switzerland no shady place compared to the locations of many other crypto companies
Thank you Rodeo02. Yes this is exactly my point I don’t have the 72k USD to participate. This is why I am considering using their service because so I can profit from the rewards without investing so much money. I dont think/hope this is a problem with SMART VALOR their team is public and they operate out of Switzerland no shady place compared to the locations of many other crypto companies
So what is their deal? Can you somehow stretch it here?
Staking needs some coins. This means you will still invest something to them. Example is you will have a share instead buying the whole 1000 DASH.
I hope I am understanding it right.
If not, please enlighten me more about this.
Will they run a pool for different users until they fill up the whole pool for the staking process? I guess that is what is happening here.
There are many platforms that allow you to receive passive income, including staking.
A list of these platforms, as well as annual income, can be found here:
https://interest.coinmarketcap.com/currencies
A list of these platforms, as well as annual income, can be found here:
https://interest.coinmarketcap.com/currencies
Staking service or staking pool has happened from many years ago until today, only PoS based project can do that.
If I can afford to hold it by myself, I would rather stake it on my own VPS other than giving it to the exchange.
But if you do not know how to do it or do not want to keep maintain it, giving it to the service provider is fine too.
This is not interest buy staking the coin to get a new coin because of proof of stake consensus.
As i remember DASH required 1000 DASH coin to start a masternode and staking it t ,you can earn around 7% anually.its impossible for lower budget traders to have that amount unless you have a large fund willing to invest.If I can afford to hold it by myself, I would rather stake it on my own VPS other than giving it to the exchange.
But if you do not know how to do it or do not want to keep maintain it, giving it to the service provider is fine too.
This is not interest buy staking the coin to get a new coin because of proof of stake consensus.
The problem of giving it to 3rd party is the risk that you will lost what you invest for staking since you dont have full control of your balance.
Thank you Rodeo02. Yes this is exactly my point I don’t have the 72k USD to participate. This is why I am considering using their service because so I can profit from the rewards without investing so much money. I dont think/hope this is a problem with SMART VALOR their team is public and they operate out of Switzerland no shady place compared to the locations of many other crypto companies
Staking service or staking pool has happened from many years ago until today, only PoS based project can do that.
If I can afford to hold it by myself, I would rather stake it on my own VPS other than giving it to the exchange.
But if you do not know how to do it or do not want to keep maintain it, giving it to the service provider is fine too.
This is not interest buy staking the coin to get a new coin because of proof of stake consensus.
As i remember DASH required 1000 DASH coin to start a masternode and staking it t ,you can earn around 7% anually.its impossible for lower budget traders to have that amount unless you have a large fund willing to invest.If I can afford to hold it by myself, I would rather stake it on my own VPS other than giving it to the exchange.
But if you do not know how to do it or do not want to keep maintain it, giving it to the service provider is fine too.
This is not interest buy staking the coin to get a new coin because of proof of stake consensus.
The problem of giving it to 3rd party is the risk that you will lost what you invest for staking since you dont have full control of your balance.
Staking service or staking pool has happened from many years ago until today, only PoS based project can do that.
If I can afford to hold it by myself, I would rather stake it on my own VPS other than giving it to the exchange.
But if you do not know how to do it or do not want to keep maintain it, giving it to the service provider is fine too.
This is not interest buy staking the coin to get a new coin because of proof of stake consensus.
If I can afford to hold it by myself, I would rather stake it on my own VPS other than giving it to the exchange.
But if you do not know how to do it or do not want to keep maintain it, giving it to the service provider is fine too.
This is not interest buy staking the coin to get a new coin because of proof of stake consensus.
Hey Javi_Anibarro thank you for your answer. Okay I have never heard of it before, thought this is something new. You are right about your two last points but your missing a big one which is the most important in my case. For staking Dash yourself one must host a masternode which requires 1000 Dash which is currently nearly 72`000.- USD, I don’t have so much cash available
so with using the service of SMART VALOR, if I understand it correctly, I can profit from the 6.9% rewards without needing to invest 72k USD.
Staking service or staking pool has happened from many years ago until today, only PoS based project can do that.
If I can afford to hold it by myself, I would rather stake it on my own VPS other than giving it to the exchange.
But if you do not know how to do it or do not want to keep maintain it, giving it to the service provider is fine too.
This is not interest buy staking the coin to get a new coin because of proof of stake consensus.
If I can afford to hold it by myself, I would rather stake it on my own VPS other than giving it to the exchange.
But if you do not know how to do it or do not want to keep maintain it, giving it to the service provider is fine too.
This is not interest buy staking the coin to get a new coin because of proof of stake consensus.
Hey guys I am not very familiar with the topic of staking and staking-as-a-service. But I just saw yesterday evening that SMART VALOR a Swiss crypto exchange started their staking campaign where you can either stake Dash or their native token VALOR.
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
They state that revenues are up to 6.9% for Dash and 15% for VALOR. Here is the link for their announcement:
https://news.smartvalor.com/staking-dash-available-on-smart-valor-platform/
What do you guys think about it? I think it could be good alternative for earning some passive income (if I understand the concept correctly) like interest back in the days bank used to pay some
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