Magic numbers for you all, based on my understanding.
Will need to confirm the results later..

#1 Ryt Savings Account = 60.84 * 3% / 365 = 0.005 = 0.01

#2 Save Pockets (total 10, for a combined sum of 20k)
20,000 * 1% / 365 = 0.547 = 0.55 is the limit.

So max needed is 0.545 * 365 / 1% = 19892.5 <<< this is the amount needed to be divided across all 10 pockets.
Break it down as follows:
1) Ryt Pocket (aka Pocket 1) = (any amount up to) 19344.94 * 3% / 365 = 1.589 = 1.59
2) Pockets 2-10 = (fixed amount) 60.84 * 3% / 365 = 0.005 = 0.01 x9 = 0.09

Total sum in pockets = 19344.94 + (60.84 * 9) = 19892.5
Total sum in ryt account = 19892.5 (10 pockets) + 60.84 (main) = 19953.34

Final interest gain amounts:
~ 1% bonus = 0.55
~ 3% base = 1.59 + 0.09
=2.23
+ 1 cent from ryt savings account = 2.24 daily for 19953.34 total amount in entire ryt account.

conventional: 19953.34 * 4% /365 = 2.19. Follow my steps and you can get extra 5 cents daily..

Although we can have 10 pockets, we just create 9, right?

Is this correct or do I need some rm60.83 in the top main account also?

Just came back from HK and tested with Ryt and Wise.

Ryt rate was MYRHKD 1.868 + 1.2% cashback
Wise rate was MYRHKD 1.859