Locked HBD benefits of fixed yield for 365 days or that can fluctuate if witnesses change the interest rate?
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.
The second situation.
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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