New holders earn 20% APY by default without having to do anything. 

TSWIFTY allows you to earn up to 40% APY by locking your address for 168 days. That prevents you selling TSWIFTY until 168 days has passed. You can unlock in an emgergency. 

Interest is accumulated every 60 seconds and can be claimed by the user whenever they want. 

Users can increase their APY by claiming regularly and compounding their interest.