The HUG Agency is a social impact organisation designed to get more long-term wealth into families pockets. We help organizations that don't have their own stock schemes to offer their workers cash, stock or crypto schemes instead. A scheme has a defined duration (normally 24 months) and monthly bonus. Each month the recipient receives a credit which they can use to save cash, invest in stocks or hodl crypto, which builds them a free asset portfolio. When the scheme matures we calculate its present value and transfer the value to the recipients Algorand wallet. During this process our application requires Hug tokens equating to 10% of the schemes initial value, which are burnt during processing, reducing their finite supply. You can see more details at https://hug.agency/tokenomics. If you would like your employer to offer you an incentive scheme, please ask them to contact us, its a very cost-effective way for them to improve their employee engagement, increase staff morale and retention (and it also helps reduce financial inequality which is great for their brand).