mmm... I've been paying out about 20% APR equivalent for months now. Gross earnings will obviously be a bit higher. Now with tokens there is not even any need to hold SP and delegate - just buy the tokens.

That in itself, avoiding 14 weeks to undelegate and power-down should attract investors. I dunno, have heard many think it's still "too high" which is bizarre given the expectations of crypto prices.

I have also created some stable-tokens - more by accident than design but anything that is truly asset-based will be more stable, at least with respect to that underlying asset. Hence they are STEEM-stable but obviously not Dollar-stable.

I have also seen research papers on PoS returns and STEEM not even mentioned!