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It may be that that is what the community decides to do, but you can, for now say; "Keep HBD APR at 15% where each user is being asked to pay 3.2% of their account per year to keep this going. as the price goes lower, this % will now increase rapidly (if the price goes lower that is of course).

i guess it all started with the 20% apr as a way to increase hbd adoption (which didn't happen). but 15~20% is a great deal. my guess is not being on US exchanges (mainly coinbase?) is a big reason why even a great deal didn't get much attention. what do you think?

Absolutely ridiculous proposition. No!

Please explain

well whatever the number is i truly hope magi launch hits big

Nice to see such a prolific creator on youtube posting to Hive! Annyong Ha Seyo!