const Hive = require('hive-js');
// Other necessary libraries and configurations

class Vault {
    constructor(interestRate) {
        this.interestRate = interestRate;
        this.deposits = {}; // Stores deposits by user
    }

    addDeposit(user, amount) {
        if (!this.deposits[user]) {
            this.deposits[user] = { amount: 0, interest: 0 };
        }
        this.deposits[user].amount += amount;
        this.calculateInterest(user);
    }

    calculateInterest(user) {
        const deposit = this.deposits[user];
        deposit.interest = deposit.amount * this.interestRate;
    }

    getDepositInfo(user) {
        return this.deposits[user] || null;
    }
}

// Vaults for different durations with respective interest rates
const vaults = {
    '1m': new Vault(0.05),
    '3m': new Vault(0.07),
    '6m': new Vault(0.10),
    '1y': new Vault(0.25),
    // Add other durations as needed
};

function createBond(user, amount, duration) {
    const vault = vaults[duration];
    if (vault) {
        vault.addDeposit(user, amount);
        // Additional logic to interact with the blockchain
    } else {
        console.error('Invalid duration specified');
    }
}

function lockHBD(user, amount, duration) {
    // Logic to lock HBD on the blockchain
    createBond(user, amount, duration);
}

function handleMaturity(user, duration) {
    const vault = vaults[duration];
    if (vault) {
        const deposit = vault.getDepositInfo(user);
        if (deposit) {
            // Logic to pay interest and release funds
            // Update blockchain and user balances
        } else {
            console.error('No deposit found for this user in the specified vault');
        }
    } else {
        console.error('Invalid duration specified');
    }
}

function main() {
    // Example usage
    lockHBD('user123', 1000, '1y');
    // Other program logic
}

main();

I could see something like this in a smart contract, even beign managed by a thrid part that could work well