Of course, if you are reading this post using neoxian.city, then you probably believe there is something to it already. But, I can honestly see this token becoming an asset to access different blockchain banking services. Without a doubt the climb is somewhat steep, but I can see a lot of the processes being automated to promote scaling.

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<h1>APR Calculator / Credit Score</h1>
The main idea that immediatly came into my mind was using staked Neoxian Tokens as a way for users to get not only access to loans, but better rates for them. Now, I'm not exactly sure how the bank currently calculates rates, but I suspect it's based on a few key factors.

* Stake Held by the Requesting User
* Reputation of Requesting User
* Amount Requested vs Stake
* Period for Payments
* Previous Businesses done with the Bank

Of course one or more of these could be inaccurate, but I suspect I'm not far off the bullseye here. Now, the challenge of scaling these services, if that was even something someone would want to do, would be to do the legwork to assess these factors, and to apply a non-biased set of rules to the lending process.

Long story short, granted all factors are similar, the APR of the loan, and the time for payback should be about the same for two different users who meet them. Of course, any business can deny services to a customer for whatever reason it may choose, but assuming these denials are not discriminatory in nature. 

<h4>The Curve</h4>

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I realize this might sound like a bunch of complicated math, but it really does not need to be. The idea is simple, the incentive to accumulate more stake is to have bigger discounts for services the Bank provides. These could be Stake Delegations in any of the tokens the Bank works with, and of course loans, which is the primary service it provides.

If, let's say, an Orca was needing to get a sizeable loan from the bank, as some have done before. The orca would be motivated to possibly buy Neoxian tokens, stake them, and apply for the loan at a better rate this way. This of course would only make sense, if the cost of buying Neox coins and staking them makes the loan sufficiently cheaper. 

As you can probably imagine, the Neox coin provides better access to instant liquidity for anyone who is a holder of any of the tokens inside of the STEEM ecosystem. It becomes somewhat of a hedge useful against powered up stake. 

The numbers of course, would be determined by the Bank. But, in theory there could be sweet spot that most, if not all users should probably hold as to access good rates from the Bank. 

<h1>Instant Liquidity</h1>
This is a subject I've thought about for a long time, more so because it's one of those impediments for so many investors. Yes, I happen to be someone who appreciates the three month powerdown, but I know plenty of people who don't and who hesitate to buy in because of this reason.

So to a degree, this token could bootstrap such market. Yes, this means that Neoxian would have to increase it's liquid assets and maybe that is something the Neoxian bank would only do as demand increases, but the advantage should be obvious. 

I wrote a long piece on how a potential market for liquidity could be done, but I won't bore anyone with it at this moment (unless requested, since the subject is long indeed.

<h1>Best of all: The Bank is more protected</h1>
Which to me is the win/win scenario. Again, I don't know how many people default on loans, but I know the number is not zero, simply from observation. However, an account that has bought Neoxian tokens to qualify for a loan, also has extra collateral, if you will, as to cushion the negative impact from a default.

The shortened powerdown period for STEEM-ENGINE tokens also works great in this aspect, since a surrendered account normally takes three months to fully recover.  This would shorten that period significantly for sure.

<h1>Investor Dividends</h1>
Another thing that Neoxian Bank could be doing, which it's not hard at all to do is to come up with a table for token payouts for deposits to the Bank. As far as I know, Neoxian does have a set APR for deposits, but the deal could be sweetened by proportional airdropped tokens to customers who hold their funds in the bank. 

This creates incentives for customers to keep their funds in the Neoxian Bank for longer, since they don't have to withdraw to realize any gains at all. It's as if they are micro-mining if you will. Again, it's all about creating incentives and driving demand.

<h1>Disclaimer</h1>
I know that @neoxian said, and said quite clearly, do not get crazy with the token. It may succeed, it may not, who knows. And, as you know, in the world of cryptos there's no guarantees given. So, take my opinion and my ideas with a grain of salt.

I'm putting it out there not because I've spoken with Neoxian on the matter, or because I think they will be implemented. I just hope they are useful, and hope they get taken into consideration.

Cheers

MenO