Digital currencies are peer to peer networks. It is important to have many people participate in the network for network security. To ensure this, some kind of motivation is needed. Bay is a Proof of Stake (PoS) coin. That means by using the software you are paid interest to help strengthen the network when staking is activated.
Staking, as this is called, is to leave your wallet running, and thus become one of many nodes that confirm transactions on the network. The interest rate is 1% annual.
The QT wallet is a “Lite wallet” that can receive, store, and send Bay. It can also stake.
The Markets Client can send, receive, stake, vote and store Bay. It also features the market, smart contracts, and all the thousands of amazing features that make Bay so wonderful.