bit.ly/2kWtLl5 How To Get The Most Out Of Komodo's 5% Appreciation Rate! James Lee explains step by step the meaning and financial logic of one of his favorite features in Komodo. The 5% APR (Annual Percentage Rate) incentivizes spending by paying when you transact, while at the same time paying you to hold your coins for a certain amount of time. James Lee explains step by step the meaning and financial logic of one of his favorite features in Komodo. The 5% APR (Annual Percentage Rate) incentivizes spending by paying when you transact, while at the same time paying you to hold your coins for a certain amount of time.