I wonder too, why not make it super smart with an extra ponzi layer.

APR is an OwnershipToken that can be traded for the ROI that is left behind by people that withdrew early. Lock-up periods 1-5years, OwnershipToken distributed monthly and 1% of those tokens is always 0.95% of the total HBD profits, rest is management fee for the fund.

Whatever I've send 100HBD in, I don't see a huge risk here.