From the post:
Note on the 30% cumulative APR. I don’t control the base APR that is set by the witnesses of 20%. If this changes in the period, so will the cumulative APR. The 10% premium is guaranteed, so if the base APR is said 18%, the cumulative will be 28% etc.
If the base APR is 12%, then the cumulative is 22% ... I only guaranty the 10% premium