Hi @stoodkev Please read the one paragraph introduction and one page executive summary of my Proposal #374 HiveComunityBank and I would appreciate it if you could consider supporting the proposals 71 day trial. : Link
HiveComunityBank (HCB) is a community lending protocol that lets serious HIVE stakeholders access real spending power without selling their HIVE. Borrowers deposit HIVE as collateral, receive HBD loans, and use those proceeds to spend, invest, or earn — while their HIVE remains powered up and appreciating. Every HBD the DHF allocates enters savings on day one, earns 15% APR immediately, and the principal is never spent. This is not a grant. It is a capital injection.
The protocol solves three problems simultaneously. First, it gives large HP holders liquidity access without exchange exposure. Second, it removes HIVE from liquid circulation — at 10 simultaneous loans with 50,000 HIVE minimum collateral, 500,000 HIVE leaves exchanges for approximately 15 months per lending cycle. Third, it generates guaranteed savings interest regardless of whether any loans are made — at 10,000 HBD per day for 71 days, the pool earns approximately 20,671 HBD in savings interest before a single borrower applies.
The manager is paid exclusively from curation rewards on collateral HP — not from DHF HBD. There is no liquidation mechanism, no oracle dependency, and no scenario in which the pool loses capital. Borrowers who deposit loan proceeds in HBD savings at 15% APR earn more in interest than they pay in loan interest — the net carry position is +7.5% APR on a 12-month term. The 71-day proposal duration gives the community a clear evaluation window before renewal. If the protocol underperforms, do not renew. If it works, expand it.