At the general level I agree with this proposal and I believe it's a needed step forward in making HBD truly powerful.
There are a few details I'd like to address.
Locked HBD benefits of fixed yield for 365 days or that can fluctuate if witnesses change the interest rate?
The second situation. One locks up small amounts of HBD regularly (like daily). In 365 days before the first one expires, we would have 365 time-locked HBD contracts to manage for that account. That could be significant. So, some edge cases need to be considered.
Yes that is part of the deal. The rate at the time of deposit of HBD would carry through all 365. It will not fluctuate.
That info is available on the blockchain so the front ends would be the ones to sort that. Perhaps some drop down menu that allows one to look at a calendar. Maybe Hivestats could do something.
The point is it is all on chain so it is just a matter of someone building out something that reads is for the users.
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