One more thing to discuss is the way users claim the interest. It's kinda confusing. Can we possibly make it more user-friendly or easy to understand?

I think we can add a timer on the front-ends and display the next possible claim action + accumulated interest so far. Something like:

Accumulated interest is 10.000 HBD,
Paid in 20 days

And if it's possible to claim, add a claim button where the user sends 0.001 HBD to himself.