Another feature you might consider adding in a future update: scrape addresses. Those direct staking rewards to a different address than the one with the balance that staked. This is useful in situations where you want to preserve your principal but spend your "interest." It would be especially attractive now that I know a simple withdrawal will not jeopardize CRISP rewards for the entire balance--I believe directing staking rewards to a scrape address could register as a withdrawal on a technical level.

Something else to be aware of...

Having a program like CRISP which rewards addresses for keeping the balance all there month after month tends to encourage keeping funds in multiple addresses. Let's say I own 50,000 DNotes. If I keep it all in a single address and then one day I want to spend 100 DNotes on something, well, the cost is that I would lose the entire CRISP reward in the month that I spend it, and at 0.5 percent, the cost of spending that 100 DNotes would be 250 DNotes in lost reward. But if I split up the 50,000 DNotes into 10 addresses each with 5,000 inside them, then when I want to spend 100 DNotes, it only costs me 25 DNotes in lost reward (because I only messed with the balance of a single address containing 5,000 DNotes, leaving the other 45,000 alone).

SMART Cash coin, in which I have an interest, has a similar program, where once a month you get a "SMART Reward" for not making a withdrawal during a month long period. They do have a minimum balance requirement of 1,000 SMART. Their online wallet comes set up with three addresses right off the bat, a spending address and two SMART Reward addresses. The idea is that you would divide your savings into those two addresses and then if you need to make a withdrawal from one of them, the other is unaffected in terms of the rewards. If you have a large balance all in one address, the practical reality is that it "costs" quite a bit to withdraw anything, so you have to evaluate if it's worth it.

The end result is that users are incentivized to keep their coins locked up, which is a very good thing for the coin overall. The traders, of course, forfeit that reward, and they probably judge that they will profit more by trading than by locking up funds. Another result is people are also incentivized to use many more addresses for their coins.

I don't know if it is technically feasible or if it were, could be exploited in a bad way, but I wonder if it would be worth exploring a kind of rewards structure where you were allowed one or two withdrawals per month to still get the rewards, and those withdrawals had to be less than x percent of the entire balance and of course the amount withdrawn would forfeit its portion of rewards. You know how fiat savings accounts typically allow up to 6 withdrawals per balance cycle before they start charging? I'm thinking something like that. Having one or two "grace" withdrawals each cycle I think could still incentivize saving, but would also allow for reallocation of funds into either other savings accounts or spending accounts.

Just pointing out an observation and "thinking out loud."

I sure will. Here is one more. Are withdrawals from DNotes Vault accounts still being manually processed? I'm trying to send some DNotes to my desktop wallet and in the history it says "pending release date." As far as I know I asked for a normal withdrawal.

I have another picky question about cold staking (when it's available): Let's say I have DNotes stored on ten different addresses and I want all the funds to be cold staking and I want the rewards to always go back to the originating address. Do I need to set up one cold staking address for each fundholding address, or could I defer staking of all ten fundholding addresses to a single staking address and still expect the rewards to be directed back to the original addresses?

And another picky question: Is there a minimum balance required to be eligible for CRISP rewards?

So there is no updated version of the DVC wallet? That is what I'm assuming. I'm running the same wallet version I've had for years. It's about halfway through downloading the blockchain. So far so good.

I really like how developers are constantly active on this forum and are supporting the community. Great work guys 

I have noticed that price of DNotes started to decline, my guess would be that happened mainly because delisting, prior to swapping to 2.0 on exchanges?  Hopefully soon more people will realise great potential of this coin and the team behind it. Also it would be nice to finally again see some upward movement in the crypto in general 

And one more question about CRISP reward. If I have let's say (for easier explanation) 100 coins in my DNotes vault and in the middle of the monthly CRISP period I add 10 more, then CRISP reward will be still for 100 coins that month and the next month for 110?

Thanks so much for that info. One other question: why do you say that virtually no one will receive the first payout for CRISP? Is it because the actual swap happened after March 27th?

Also, where are the coins coming from to pay the CRISP rewards?

Thank you so much for the reply. That I know how to do (and have done many times).

Just so I know I'm on the same page, do I run the exact same wallet software that I currently have, or has there been an updated version I need to upgrade to?

What are the approximate dates of those blocks being found? Where is the DNotes block explorer?