Not to do a back and forth but I'm not really sure if you understand fully what i am saying Lets use this for example. You just showed that CryptoNick has over 100k in is active investment so lets say for argument sake if he invested 10,010 every day or month doesnt matter each one of those lends are .25% so if he does 4 or 8 of them which he has the money to do they stack which would be a combine percentage of 1-2% .25%+.25%+.25%+.25%.... you get the point plus whatever the average is. Now unless my math is wrong and you dont want to consider each lend seperate then add them up this makes total sense and from his point of view he is in face getting 1% 2% per day locked in. Do you understand now?