SWIFTCASH ROI, MINIMUM & MAXIMUM INFLATION

Most people in the world still have no clue how economy works or what are some of the major problems with fiat currencies that has got so many people interested in alternatives such as bitcoin or other cryptocurrencies. But many of cryptocurrency enthusiasts don't seem to understand the economics of each cryptocurrency. They usually get lost at the last price which is really not that important in the long-run. Very few people tend to look at the inflation of a cryptocurrency, or its current emission, its future emission and things like that.

In this article, we're going to examine the inflation of SwiftCash and set it as a benchmark to teach you how you're supposed to look at these things before investing. SwiftCash has a pretty complicated and unique economical model, so if you learn how to investigate the inflation of SwiftCash, you can easily investigate the inflation of all other cryptocurrencies! Sounds like a pretty good read then, doesn't it?!

For starters, SwiftCash does not give all the inflation to traditional miners with giant computers. In fact, SwiftCash does not give ANY of its inflation to traditional miners! Traditional mining uses a lot of energy to secure the network, and does not set aside any part of its inflation for human labor required to push for development, support and adoption. To find out how to mine/earn SwiftCash, feel free to pay a visit to our recent post on this topic here, and you can find more information about some of the concepts in our whitepaper.

Having said that, SwiftCash has a minimum and maximum inflation and the actual inflation depends on how much of the SwiftCash budget is mined each month which is decided via consensus among the stakeholders. Furthermore, unlike traditional cryptocurrencies such as Bitcoin or Litecoin, SwiftCash gives the minimum inflation to its stakeholders. That is Bitcoin miners for example, do not need to own any Bitcoin, in order to be able to get the new Bitcoins! But with SwiftCash, miners are required to own and HODL SwiftCash, in order to be able to get the new coins!

With SwiftCash, 30% of maximum inflation goes to Miners and/or Masternodes, both of whom are required to own and HODL a certain amount of SwiftCash. These guys who play a major role in securing the network, very much like what traditional miners do, are therefore themselves required to be invested in the network, unlike the case with traditional miners. What they get therefore, becomes the minimum inflation.

Stakeholders can participate in consensus each month in order to determine whether the SwiftCash blockchain should inflate more in order to fund interesting proposals such as the most recent one which was to airdrop steemians here. While there is a ceiling for this type of inflation every month, to make sure we won't inflate too much, the ceiling is enforced to go down in proportion to what Miners and/or Masternodes get. That is to say the total amount of budget that can be mined each month will gradually move towards zero regardless of how much of it is mined each month, or not.

To recap, below you can see the minimum annual inflation of SwiftCash in the next 60 years! This is based on the amount of block rewards that will be given to Miners and/or Masternodes who are required to be stakeholders, in order to keep the network active, online and secure. Unlike traditional cryptocurrencies such as Bitcoin or Litecoin, SwiftCash Miners and/or Masternodes do not get the transaction fees, but fees are rather burned out of the circulating supply, and can be mined back in the future.

_{SwiftCash — Minimum inflation up to year 2081}

Year	New Supply(Min)	Initial Supply(Min)	Inflation(Min)
2019	29,462,857.14	78,200,000.00	37.68%
2020	28,669,090.91	107,662,857.14	26.63%
2021	27,422,608.70	136,331,948.05	20.11%
2022	26,280,000.00	163,754,556.75	16.05%
2023	25,228,800.00	190,034,556.75	13.28%
2024	24,258,461.54	215,263,356.75	11.27%
2025	23,360,000.00	239,521,818.29	9.75%
2026	22,525,714.29	262,881,818.29	8.57%
2027	21,748,965.52	285,407,532.57	7.62%
2028	21,024,000.00	307,156,498.09	6.84%
2029	20,345,806.45	328,180,498.09	6.20%
2030	19,710,000.00	348,526,304.54	5.66%
2031	19,112,727.27	368,236,304.54	5.19%
2032	18,550,588.24	387,349,031.81	4.79%
2033	18,020,571.43	405,899,620.05	4.44%
2034	17,520,000.00	423,920,191.48	4.13%
2035	17,046,486.49	441,440,191.48	3.86%
2036	16,597,894.74	458,486,677.96	3.62%
2037	16,172,307.69	475,084,572.70	3.40%
2038	15,768,000.00	491,256,880.39	3.21%
2039	15,383,414.63	507,024,880.39	3.03%
2040	15,017,142.86	522,408,295.03	2.87%
2041	14,667,906.98	537,425,437.88	2.73%
2042	14,334,545.45	552,093,344.86	2.60%
2043	14,016,000.00	566,427,890.32	2.47%
2044	13,711,304.35	580,443,890.32	2.36%
2045	13,419,574.47	594,155,194.66	2.26%
2046	13,140,000.00	607,574,769.13	2.16%
2047	12,871,836.73	620,714,769.13	2.07%
2048	12,614,400.00	633,586,605.87	1.99%
2049	12,367,058.82	646,201,005.87	1.91%
2050	12,129,230.77	658,568,064.69	1.84%
2051	11,900,377.36	670,697,295.46	1.77%
2052	11,680,000.00	682,597,672.82	1.71%
2053	11,467,636.36	694,277,672.82	1.65%
2054	11,262,857.14	705,745,309.18	1.60%
2055	11,065,263.16	717,008,166.32	1.54%
2056	10,874,482.76	728,073,429.48	1.49%
2057	10,690,169.49	738,947,912.24	1.45%
2058	10,512,000.00	749,638,081.73	1.40%
2059	10,339,672.13	760,150,081.73	1.36%
2060	10,172,903.23	770,489,753.86	1.32%
2061	10,011,428.57	780,662,657.09	1.28%
2062	9,855,000.00	790,674,085.66	1.25%
2063	9,703,384.62	800,529,085.66	1.21%
2064	9,556,363.64	810,232,470.28	1.18%
2065	9,413,731.34	819,788,833.91	1.15%
2066	9,275,294.12	829,202,565.26	1.12%
2067	9,140,869.57	838,477,859.37	1.09%
2068	9,010,285.71	847,618,728.94	1.06%
2069	8,883,380.28	856,629,014.65	1.04%
2070	8,760,000.00	865,512,394.93	1.01%
2071	8,640,000.00	874,272,394.93	0.99%
2072	8,523,243.24	882,912,394.93	0.97%
2073	8,409,600.00	891,435,638.18	0.94%
2074	8,298,947.37	899,845,238.18	0.92%
2075	8,191,168.83	908,144,185.55	0.90%
2076	8,086,153.85	916,335,354.38	0.88%
2077	7,983,797.47	924,421,508.22	0.86%
2078	7,884,000.00	932,405,305.69	0.85%
2079	7,786,666.67	940,289,305.69	0.83%
2080	7,691,707.32	948,075,972.36	0.81%
2081	7,599,036.14	955,767,679.68	0.80%

The chart below shows the maximum annual inflation of SwiftCash in the next 60 years! This is based on the assumption that each month, the ceiling for the budget is reached and the maximum monthly budget allowed to be mined, is actually mined! This is not a very likely scenario based on our experience. Last month for example, we only mined about 40% of the ceiling and this month, we're only going to mine less than 5% of the ceiling! This is why our whitepaper shows an estimate inflation based on the assumption that we consistently fail to use 30% of the maximum block rewards or in other words, we consistently only use between 55-60% of the monthly budget! And as you can see, we have not even hit that target in our recent history!

_{SwiftCash — Maximum inflation up to year 2081}

Year	New Supply(Max)	Initial Supply(Max)	Inflation(Max)
2019	98,209,523.81	78,200,000.00	125.59%
2020	95,563,636.36	176,409,523.81	54.17%
2021	91,408,695.65	271,973,160.17	33.61%
2022	87,600,000.00	363,381,855.83	24.11%
2023	84,096,000.00	450,981,855.83	18.65%
2024	80,861,538.46	535,077,855.83	15.11%
2025	77,866,666.67	615,939,394.29	12.64%
2026	75,085,714.29	693,806,060.95	10.82%
2027	72,496,551.72	768,891,775.24	9.43%
2028	70,080,000.00	841,388,326.96	8.33%
2029	67,819,354.84	911,468,326.96	7.44%
2030	65,700,000.00	979,287,681.80	6.71%
2031	63,709,090.91	1,044,987,681.80	6.10%
2032	61,835,294.12	1,108,696,772.71	5.58%
2033	60,068,571.43	1,170,532,066.83	5.13%
2034	58,400,000.00	1,230,600,638.26	4.75%
2035	56,821,621.62	1,289,000,638.26	4.41%
2036	55,326,315.79	1,345,822,259.88	4.11%
2037	53,907,692.31	1,401,148,575.67	3.85%
2038	52,560,000.00	1,455,056,267.98	3.61%
2039	51,278,048.78	1,507,616,267.98	3.40%
2040	50,057,142.86	1,558,894,316.76	3.21%
2041	48,893,023.26	1,608,951,459.61	3.04%
2042	47,781,818.18	1,657,844,482.87	2.88%
2043	46,720,000.00	1,705,626,301.05	2.74%
2044	45,704,347.83	1,752,346,301.05	2.61%
2045	44,731,914.89	1,798,050,648.88	2.49%
2046	43,800,000.00	1,842,782,563.77	2.38%
2047	42,906,122.45	1,886,582,563.77	2.27%
2048	42,048,000.00	1,929,488,686.22	2.18%
2049	41,223,529.41	1,971,536,686.22	2.09%
2050	40,430,769.23	2,012,760,215.63	2.01%
2051	39,667,924.53	2,053,190,984.86	1.93%
2052	38,933,333.33	2,092,858,909.39	1.86%
2053	38,225,454.55	2,131,792,242.72	1.79%
2054	37,542,857.14	2,170,017,697.27	1.73%
2055	36,884,210.53	2,207,560,554.41	1.67%
2056	36,248,275.86	2,244,444,764.94	1.62%
2057	35,633,898.31	2,280,693,040.80	1.56%
2058	35,040,000.00	2,316,326,939.11	1.51%
2059	34,465,573.77	2,351,366,939.11	1.47%
2060	33,909,677.42	2,385,832,512.88	1.42%
2061	33,371,428.57	2,419,742,190.30	1.38%
2062	32,850,000.00	2,453,113,618.87	1.34%
2063	32,344,615.38	2,485,963,618.87	1.30%
2064	31,854,545.45	2,518,308,234.25	1.26%
2065	31,379,104.48	2,550,162,779.71	1.23%
2066	30,917,647.06	2,581,541,884.18	1.20%
2067	30,469,565.22	2,612,459,531.24	1.17%
2068	30,034,285.71	2,642,929,096.46	1.14%
2069	29,611,267.61	2,672,963,382.17	1.11%
2070	29,200,000.00	2,702,574,649.78	1.08%
2071	28,800,000.00	2,731,774,649.78	1.05%
2072	28,410,810.81	2,760,574,649.78	1.03%
2073	28,032,000.00	2,788,985,460.59	1.01%
2074	27,663,157.89	2,817,017,460.59	0.98%
2075	27,303,896.10	2,844,680,618.49	0.96%
2076	26,953,846.15	2,871,984,514.59	0.94%
2077	26,612,658.23	2,898,938,360.74	0.92%
2078	26,280,000.00	2,925,551,018.97	0.90%
2079	25,955,555.56	2,951,831,018.97	0.88%
2080	25,639,024.39	2,977,786,574.53	0.86%
2081	25,330,120.48	3,003,425,598.92	0.84%

While the minimum inflation that goes to Miners and/or Masternodes is appx. 37% right now, if you click on the ROI section of our explorer, you will notice that the ROI for Masternodes is about 90% at the moment! How can that be? You might ask. It's really simple. The reason Masternodes can earn more than the inflation of the network is because not every stakeholder runs a Masternode! And some don't even participate in mining! Which results in more rewards for those who do participate. But the overall inflation of the network remains consistent and slowly shrinks as planned.

_{SwiftNode income in 12 months, as of Thursday, 28th of March 2019}

Another thing you might want to look into before investing in a cryptocurrency is the initial distribution of block rewards. Some cryptocurrencies like Bitcoin started with zero supply but in the early days, almost nobody knew about Bitcoin and so most blocks were mined by those who knew, while inflation was almost infinite due to the initial supply being zero! With SwiftCash however, the initial distribution was airdrops on another blockchain, kind of like Bitcoin Cash, with the difference that problematic addresses were not airdropped and those who did not claim the airdrop within the first few months, were also removed. For more details on this, make sure you check out our whitepaper!

Furthermore, when you look at Bitcoin, you see that almost 80% of its maximum supply has already been mined by its 10th anniversary. Or when you look at Litecoin, you see that almost 70% of its maximum supply has already been mined within 8 years! With SwiftCash however, after 10 years, only 10-20% of maximum supply will be mined and SwiftCash in its 10th anniversary, will have 80-90% of its maximum supply yet to be mined! So potential future adopters and miners will not feel like they've missed out as much as they might, when it comes to things like Bitcoin or Litecoin!

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