If we will keep the Savings which basically can be seen as a 1 Month deposit, Time Vaults are a good idea. If this is to implement I believe we should have from the get-go the periods configurable, allowing periods like 3 Months, 6 Months, 9 Months, 1 Year, and even 1+ year. While it doesn't mean we will use all of them, is better to have the support in the infrastructure rather than needing to change the code later on.
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