Yes it can be changed at any time. However, from the position we are standing in now, it would be crazy to alter that.
Plus we should get some time locked vaults in the next hard fork (not the upcoming one but the one after that).
If we do that, then we can have a lot of things open to us.
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Time locked vaults - like even bigger APR for HODling long term?
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Depends upon what the witnesses decide. Yes it will have to be larger than just having it in savings. Hard to tell how they would adjust that.
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