RE: APR for HBD in Savings Dropped to 19% for a Short While. Want to know why?

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99% sure that's the case, I haven't looked at the code for that part, but I am 99% sure that's how it works. I know how it is all acrewed and so on, but never looked at the op code.



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Yep, you nailed it. The chain takes into account the elapsed time since the interest was last claimed and the ongoing interest rate at the moment of claiming to calculate the resultant interest.

Meaning I could time it to claim the %20 interest

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That's correct, that's how it works now. Long story short we measure the number of seconds since the last claim operation and calculate the value on the fly when the claim happens.

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