Lock XNT for a fixed term. Earn a fixed rate, paid on maturity by the city operator. Cancel anytime (forfeit interest). Every op signed by your wallet, enforced by the contract.
Deposit — you sign one tx that locks your XNT in a program-derived Bank PDA keyed to your wallet + deposit ID.
Wait for maturity — the contract tracks the maturity slot. Early-withdraw forfeits interest (cancel).
Withdraw — when mature you click Withdraw. You sign; the operator co-signs server-side to pay out principal + interest from JUG's balance.
Cancel — before maturity, cancel returns principal, forfeits interest.
Contract: CTo3Uaav7anmFbHy6QUHE6ysyXUDvoDxguEV4hBipPFD