How it works, is that when they make the payout on the 25th of the month, they check that there have been no withdrawals since the last snapshot. That means that the balance is still the same or has increased during that month. After the payout is done, obviously you are then free to keep adding smarts so that you get more interest next month, or just withdraw your smarts, in which case you won't get any more interest for another 2 months, because your withdrawal disqualifies you from a payout in the month of the withdrawal. Does that make sense?
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