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You can use this template to create a token that works like an annuity, which pays out a series of payments over a span of time back to the user. Users can stake to get compound interest or switch to payout mode to enjoy a series of payment over time.
Staking APY: The effective rate of return for one year. As an example, 100% APY means users will double their fund every year in staking mode. The maximum APY you can set is 300%.
Payout Period: In the payout mode, the balance is slowly/gradually released and becomes available for the user. Here you can set the length of this period.
Number of Inflationary Years: By setting this number you can control when the inflation ends. Staking interest will stop after these years. You can set a maximum of 50 inflationary years.
Anyone is either in the staking mode or payout mode. In the staking mode you can stake tokens to get interest. In the payout mode there is no interest, and all the balance (staked + interest) will become gradually available to collect. You can switch them on the UI when you have a staking balance. Remember, every time you switch from staking mode to payout mode, the payout period will be reset, and you need to wait the whole period to get the full balance.
Yes. There is a button called "Force Payout", by clicking which you can get some of the balance early. However, there is a 50% penalty to the unavailable balance. This is highly not recommended, and you will lose half of the fund that should be locked otherwise.
None. Once the token is created, the owner will get the initial supply. Other than that, the contract owner has no special privilege after token creation.