They would be offering an interest rate of ± 4%
Proof …
109.1963001 = 2 * 54.5981500331442
Diameter = 2 * Radius
109.1963001 = 2 * ln(54.5981500331442)
Simple maths …
Talk about a so called random system … Mining Hitrate = e/10 %, don’t you think that’s a little silly MA ??
A=P*e^rt=P⋅(cosh(rt)+(i)*sinh(rt))
Well f me with a spoon…
This is only one half of the story, which unfortunately keeps getting repeated every time the keyword ‘banking license’ comes up. The project did not come to fruition:
http://www.entropiaplanets.com/wiki/MindArk#Banking_License
More recent changes to the T&C regarding participant funds also raise questions whether this is still congruent with operating the business in the framework of a proper financial institution, whether officialised or not. I got the impression that those plans were taken off the backburner and buried behind the shed now. Been looking out for a while if someone knows otherwise, but this seems to be the end of it.
“Historically 27-35% of deposits are withdrawn”. Their interest rate is -73% 
That’s right. It’s still not enough…