Prerequisite: mint HEAT first
CD vs staking vs bank CD
Do not call this “staking.”
How interest is funded
Yield plumbing is fed by the only two protocol fee streams:
Also from atomic swaps: 11% Bonus Vault, 20% Treasury — not paid as base CD pro-rata yield.
Mint premium is 0 bps (goes nowhere) and the 0.1% CD creation fee is a donation to @fuegoxfg — neither is protocol revenue.
On-chain representation
Creating a CD produces aTransactionOutputCommitment with a real term (block/epoch length), not HEAT_TERM (mint marker).
At maturity you spend with a commitment spend that can claim interest validated against fee-pool accounting.
Epochs and terms
Protocol CD term bounds:
Lifecycle
Create a HEAT CD
Step-by-step after you have HEAT.