# Hold more HRK for longer, earn more HRK

When using and holding HRK for a certain time, you're the bank. Instead of transaction fees going to the bank they go to you,  the user and holder and to the community liquidity pool on decentralized exchange ( Pancakeswap, Uniswap or other). Yet, the transaction fees are afordable and cheap for doing a lot of transactions for average person per day compared to Ethereum and others.. Let's find out how it works in practice.

You can simply buy, transfer and hold HRK in your Trust wallet or Metamask and other wallet on your smartphone just like any other ERC20 or BEP20 token and receive a yield from every transaction made by others that includes HRK. Basically doing nothing with your HRK earns you interest whether you spend HRK or not.

Optionally you can swap it or trade it and earn on value difference. There is no need for staking or locking periods as the protocol allows you to earn dividends from just holding the token in your own wallet. You can hold it as long as you want without penalty fees.

The dividends/rewards are paid in HRK instantly to your wallet at the moment of any transaction amount of HRK. This way the yield on your HRK multiplies with the price appreciation of HRK against EURO,USD and other assets through time and community usage.

**No lock periods of any kind, HRK is available for use in your wallet at all time.**

**No expensive memberships or deposists to some companies.**

**No penalties or "must this" or "must that" to use it.**

**Once its in your Metamask or other wallet its all yours.**

Banks are obsolete and the fractional reserves system is breaking. With Hrvatska Kuna HRK, the need for using banks is reduced as HRK can easily exchange to USDT or other asset and spend all over the world before HRK massive adoption even through Metamask or Trust wallet for example.  Once it is adopted by businesses and communities it will be used as a payment asset directly.

The more HRK you hold the more you earn through time and amount in your wallet. Once there is more adoption the price will increase so we encourage you to talk to people and spread the word.

Example: if you hold 9000 HRK and someone holds  1000 HRK, you get 9 times more HRK from transaction dividends then that person.

Therefore it is better to save, earn and spend in HRK than in FIAT currency.

The HRK great velocity is calculated in a way that it provides&#x20;

* cheap transaction fees
* just right dividends for holders
* enough liquidity for it to operate  smoothly
* great referral rewards  for on boarding  business\`
* fair launch for equal opportunity

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