The 20% APR is fairly heavily promoted actually. It ends up being included in presentation slides as a key benefit because we do want to attract people who can't trust the banking system in their country to use HBD savings as an alternative.

Onboarding: DM me on Discord and I'll show you the new system. It uses individual tokens. There is also a second system, unrelated to the first, that uses group tokens. They're both for events but the first can also be incorporated into any app or frontend (which can then grant the token). The system is fool-proof and there's no emails or phone numbers involved. The Keychain confusion is also being rectified through documentation which the Keychain team produced so I'll leave it to them to reveal.