Suggestions for new features [enhancement]

[bracklanna]

Suggested enhancements:

Add subtotals & grand totals for total amts of EOS staked, amounts of interest.

Allow re-grouping by arbitrary date range, e.g. "all contracts expiring / interest being paid between Date X and Date Y."

Add export function to allow .CSV exporting of raw transaction data. (Needed for cost-basis accounting, tax calculations, etc.)

Improve "APR" calculation by factoring in standard unstake delay times, wherever they may apply. E.g if there is a 3-day unstake delay after a contract expires, then there are 3 * (365/term length) days where the EOS cannot be staked out to make interest. This reduces the effective APR considerably & should be taken into account.

Add more documentation, both with mouse-overs & question mark icons within the UI, and in the separate FAQ doc. (For example, clarify that the order-matching engine works on a strict FIFO basis, if indeed it does work that way..)

[PhillipHamnett]

Thanks for your suggestions! We already have alot of these on our todo list for Chintai 2.0. Can't wait to show you in January!

On Sat, 1 Dec 2018, 20:41 bracklanna <notifications@github.com wrote:

Suggested enhancements:

Add subtotals & grand totals for total amts of EOS staked, amounts of interest.

Allow re-grouping by arbitrary date range, e.g. "all contracts expiring / interest being paid between Date X and Date Y."

Add export function to allow .CSV exporting of raw transaction data. (Needed for cost-basis accounting, tax calculations, etc.)

Improve "APR" calculation by factoring in standard unstake delay times, wherever they may apply. E.g if there is a 3-day unstake delay after a contract expires, then there are 3 * (365/term length) days where the EOS cannot be staked out to make interest. This reduces the effective APR considerably & should be taken into account.

Add more documentation, both with mouse-overs & question mark icons within the UI, and in the separate FAQ doc. (For example, clarify that the order-matching engine works on a strict FIFO basis, if indeed it does work that way..)

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[bracklanna]

Additional suggestions:

To someone who is financially-educated but not necessarily EOS-aware, such as an SEC or FinCEN regulator who might be curiously browsing, at first and second glance the overall impression of the Chintai UX / UI is that it is some sort of trading or lending exchange. (99% of similar interfaces are for active trading or actual lending.)

While awareness of the special traits of some cryptocurrencies is gradually increasing, by and large much of the outside world remains ignorant, particularly so with respect to the leading-edge innovations in EOS. The lack of understanding could cause needless confusion and unwanted attention (for the operators of Chintai) among those who mistake it for being an equities-type exchange or a place to book and sell actual cryptocurrency loans. (Places where actual token exchange happens between counterparties, as opposed to temporary delegation of CPU/net resources.)

Some small changes could help to distinguish Chintai from other exchanges:

• Eliminate the use of the words "borrow" and "loan". The word "loan" has a specific legal meaning and a large set of regulations (in nearly any jurisdiction) which apply to it. Perhaps standardize on "lease" and "delegate" as the noun / verb replacements for "loan". (E.g. on the interface buttons.)

• Eliminate the use of the word "trade" in the user interface. While not as narrowly-applicable as "loan," in fact it is somewhat misleading as the leases being bought and sold are not being "traded." Chintai does not act as an intermediary between "traders," it simply facilitates the temporary delegation of CPU/Net in exchange for a payment.

• Eliminate the use of the word "interest" in the user interface. As with "loan," "interest" has a very well-understood meaning in the world of finance and business, and typically applies only to a) loans or b) bank accounts & certain types of bonds, eg. treasuries. The person who pays for a temporary lease on bandwidth / CPU is not paying "interest" on a "loan," they are paying something closer to a fee-for-service. (Much more akin to paying for a hotel room than a loan. One does not "pay interest" to stay in a hotel room.) Possible replacement words or phrases might be: "Lease payment," "Rent," "Lease fee."

• Consider rebranding the upper-left banner area from simply "Exchange" to "EOS Resource Delegation Exchange" or "EOS CPU/Net Delegation Exchange," or something along those lines.