so i see there is still some missunderstandings here
first of all there is no annual % based interest
there is a annual % based coin inflation
which start at 25% and will constant decrease as u can see in the whitepaper
now who get a share from this inflation also called coin rollout
35% of each block found go to the finder
65% of each block found go to a masternode
now what that mean about ur potential POS or MN income a year
MN its easy u know how many other masternodes are there
u so basically ur income will by daily coinrollout *0.65 / by amount of masternoded
so if we have a coinrollout of 1500 and there are 100 masternodes then its
1500*0.65/100= 9.75 DMD a day per masternode
to see the actual daily coinrollout just check here the column generated at the end
https://chainz.cryptoid.info/dmd/#!overview if there more MN active u earn less if less MN active u earn more
now how is the same for POS
its much harder to estimate because we dont know how many coins and how structured in coin piles compete for the POS blocks
all we know is each block found 35% go to the finder
so each day 35% of coin rollout is going to POS "miner" i call it miner because in fact its much more like mining then minting
its a competition to find a block and ur coins act like "hashrate" to increase ur chanced find a block
still true is the more other coins compete in POS the less often u will find a block in POS
the more own coins compete the more often u will find a block
the more coins are removed from POS competition because they act as a MN collateral or they are in offline or exchange wallets
the more the active POS users will earn
