You know, if you hold Steem Dollars, either in liquid form or savings, you'll earn interest. Compound interest is explained in this wikipedia article.
[Image source, by Jelson25 - Own work, CC BY-SA 3.0]
However, the interest will only be paid when the balance of your account changes. The algorithm is:
- there is a
last interest paid timefield stored in your account - every time after balance changed, if last interest paid time is not less than 30 days in the past, interest will be calculated and paid
- a simplified formula is:
interest = average_balance_since_last_interest_pay * daily_interest_rate * days - daily interest rate is calculated as
annual_rate / 365. For example, current annual interest rate is 10%, daily rate is calculated as10% / 365 = 0.0274%.
If you have 1000 Steem Dollars, and
- if you move funds once a month, the interest paid to you will be around
1000 * (1 + 10% / 12)^12 - 1000 = 104.7 SBD(calculation link) - if you move funds once a year, the interest paid to you will be
1000 * 10% = 100 SBD
Which means, if you don't move funds in time, you'll loss the compound interest.
How about someone make a bot to collect compound interest for its subscribers? The bot only need to send 0.001 SBD to subscriber's accounts once every month. Perhaps with a subscription fee of 0.002 SBD per account per month?
--- end of English part ---
你知道，如果你持有 Steem Dollar ，不管是在流动账户还是储蓄账户，你会挣到利息。复利介绍参见这篇英文文章）（如果链接打不开，请自己百度）。
[图 来源， 作者 Jelson25 - 自创， CC BY-SA 3.0]
但是，利息只会在你的账户余额发生变化时才会支付。算法是：
- 账户里存储了一个“上次利息支付时间”
- 每次当余额发生变化时，如果上次利息支付时间在30天以前，则会计算并支付利息
- 简化公式是：
利息 = 上次支付利息后平均每天账户余额 * 天利率 * 天数 - 天利率计算公式是
年利率 / 365。比如现在年利率是 10% ，天利率计算公式是10% / 365 = 0.0274。
比如你账户里有 1000 Steem Dollar，并且
- 如果你每月动一次账户，则一年总利息大约是
1000 * (1 + 10% / 12)^12 - 1000 = 104.7 SBD(计算链接) - 如果你每年动一次账户，则一年总利息是
1000 * 10% = 100 SBD
这意味着如果你没有及时动一下账户，你将不会获得复利。
如果有个机器人，专门为客户收集利息，会怎么样？这个机器人只需要每个月给客户转账 0.001 SBD 即可。可能机器人可以设置个每月每账户 0.002 SBD 的服务费。
Here is my take to ur idea, @abit.
https://steemit.com/steemit/@aizensou/ann-steeminterest-a-trustlessly-service-to-maximum-compound-your-sbd-interest
Love this!! These articles make me anxious to own more steem!
Great post @abit. I never thought about compound interest on SBD before. Do you think transferring each month is optimum, or more regularly, like each week? Regardless, I'm going to try to remember to transfer more often.
Great idea @abit , I would happily pay 0.002 SBD a month (~$0.02 USD a year) to not have to worry about this - Who's making it ? :)
if you are active user of steem, you should earn some SteemDollars from curation or from being an author of comments or posts, like you just did with that comment ;)
Good Job.
@abit 意思是要把steem 转成sp?
That's great idea...
well done! like this post
意思是每个月必须动一次账户才会获得更多的利息，第一次知道这个，多谢
写这个机器人，帮客户每个月动一下账户吗？
可能有人会写个机器人吧，这个不难
难道见到abit 在CN发一贴，支持 ：）
感谢分享，进来学习
写作获得SBD也应该算余额变化吧？
算
言简意赅，一针见血，一语中的
And if we send 0.001 every hour or every day?
No need to do that.. basically, interests are paid every 30 days.
Very informative post! Brilliant idea!
谢谢abit分享！
This is good information. Must remember to transfer my funds in time
I am on the platform. I am doing dutifully what I like. I am just curious about how it will move on from here. I am holding off putting BTC in for steem but their incentive programs are indeed enticing. If only the currency would show some sense.
Thanks! nice to have these things explained!
非常感謝 - (From Google translate)
这样一个机器人写好并不难。不过我有一个问题：
假如用户点赞，或者写文章，赚取了 Steem Dollar，这个算不算动帐户？
还是说，必须要有转入转出的操作，才算是动帐户？
只要余额变化，就算。所以说，活跃的发帖回帖者，基本不用关心这个。
那这样的话，这个机器人的需求还是相对比较小众。
nice article! Welcome to my blog @alex2016
Wouldn't it be easier to just post and earn a tiny bit of SBD each month? It shouldn't be hard to get a couple upvotes on just about any post or comment to change your balance a tiny bit.
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