Thanks for the explanation, in no moment I saw (in the game) that they refferred to it as ANNUAL rate, just that I could retire interests every day at midnight and thought "oh neat, this is a replacement for the (now substantially less broken) Milk Slaves money strategy!"I am thinking that you only have 50.000 Flames in the bank and NOT 500.000. 32 is the correct amount of interest for 2 days if you have 50.000 in the bank. The thing you skipped over (I did the same thing at first) is that, that 12% is the APR or ANNUAL Percentage Rate and not a DAILY Percentage rate.
Here is a bit of quick math: 100.000 x 0.12 (the Interest rate) = 12.000 (ANUALLY, not daily). Now, divide that 12.000 by 365 Days and you end up with 32 (and some change) per day. If you multiply the daily interest on 100k by 5 (since you said you have 500k), you should get ~160 flames per day
Since you stated you only received 32 flames, you either have 100.000 flames in the bank or you only have 50k flames instead of 500k.
Turns out...not so much, oh well, at least there's still the water mage money strategy (and yes i had deposited 100k when It gave me back 32, currently have 500k in the bank.)