Just a quick idea on the concept –
Having yield tiers be based on the amount of ANC holdings would discourage a lot of B2B integrations. Requiring them to hold a balance of price-volatile tokens is a huge headache to consider.
Instead, yield tiers can be given based on the deposit period. E.g. locking UST for 3 years gives out 20% yield, 1 year 15%, 3 months 12%, and etc.
If funds are withdrawn before the period ends, there is a penalty applied on the yield. This increases the predictability of deposit AUM while still being familiar to traditional users/institutions.
ANC is this case could be utilized to avoid the penalties here - having a sufficient stake in ANC would reduce the amount of penalties, or even reduce it to zero. Penalties can be captured back into ANC’s value. Basically the more ANC you have, the more your “savings account” is treated as a “checking account” - something that can be considered as a utility offered by the protocol