RE: What is the appropriate APR for HBD savings according to you ?
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Any interest on a de facto stablecoin that stays in your wallet with no use looks like a scam :) How can you be rewarded for nothing? Banks pay out interest on deposits, because they spin the money. Liquidity pools pay out for providing liquidity. Crypto staked on exchanges is usually used for leverage trading. HBD in Savings is in Savings, and nothing else.
The interest rate can be kept for months, years perhaps. But from my point of view, it does not bring any benefit to the network. Quite contrary, I'd say. I tried to express my thoughts in this post putting down keen reasons for decreasing the rate. The discussion is maybe even more interesting than the post.
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I quite agree with you. Also people seem not to realize that these 20% apr are actually an added inflation to the hive blockchain. There is no value generated here, it's only redistributed through inflation.
Yep, and that is why an open discussion should arise on this topic. The community should self-govern itself and keep its members informed. We are the community, so we all are responsible for that.
I am glad this post already has over 100 comments :) Good job and great outreach!