The rates shown are APY, not APR...you should make sure that you take that into account with your calculations. You will likely notice that your interest payments - i.e. you daily accruals - as slightly more each day and over time will account for the difference that you have noticed in your assessment of a single day worth of interest.

And yes, they have been been doing some work on their CPRX rewards system this past week. I have personally not have any issues in prior weeks and am not feeling any distress myself. That being said, if you just made a deposit yesterday then you should not have received any interest payout yet on that deposit...your CPRX bonus for your interest payment will likely occur next week.

And yes, it is "bare bones"....you can trade in Trade, earn interest in Earn, and/or take a loan in Borrow (in regions that support Borrow). They also have the CPRX rewards system that you can participate with if interested. Those were the features advertised prior to you signing up, so I am not sure what additional features you were expecting to discover when you actually started using the app. That being said, Abra is in the process of developing additional features, the CEO has said that some of those features may be discussed on the livestream on Youtube this Friday if you are interested.