me as a investor in the early life of stellar i want to make a proposal
if stellar started to pay interest to its investor i think that it would help the coin alot if we are going to be working with banks then we should show the banks that we understand how they work.
the great thing about interest rates is that it gives people incentive to hold there coins how are we going to be the number 1 coin when are typical hold time is only 18 days. i was looking at some talk of the ceo and she was talking about how we can make i more user friendly. in my opinion showing people that other people hold the coin because they get reward to hold the coin would help the company alot. if banks see that people are holding the coin they will trust us more so we will be the best option for them to work with. i think we should start with a 12% interest rate because we will have the highest rate in the market and we will get huge coverage for this but we should wait till the coin goes down to .20 to do this once the bitcoin hype goes away i think we will drop again that will be a good time to try and get more people on board with the coin .as the coin goes up we drop the interest rate.
the down side to this is it will cost the company money if we can have a loans service this will help. if we set up a system where we can buy homes or even cars with lumens then the loan system is a go. it also would be nice if we can find a way to make a debt card with lumens not every one has tap to pay with there phone so a debt card would be nice. i think we should work with master card since they see how much of a problem cross border payment is.
this is just my opinion as a investor in stellar i want to see us go to the moon its just the early days so any way i can help im going to try.