Create ERC20 with and a web site with a i white paper

Hey there, I need a ERC20 token that the owner should be able to stake With the staking rewards? I would like an incentive for keeping their money in the ecosystem. Stakers of token X will receive rewards in the form of interest paid in token X. At a rate of 10-20% APY. Owners of business would own 20% of tokens, 33% distributed for with a purchuse , and the rest will be retained for staking rewards at a fixed rate. The owner of the business may be able to reward their customers too. Also the token should be able to be swap for different currencys Thank you Please quote your rate.