Haha, that's how it is. It would be nice to have Hive income in savings too, but in the end I don't think it makes sense because Hive in HP yields up to 8% if I'm not mistaken, so it's better to have HP than savings.
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Yes, having it as HP also means one has to participate within the ecosystem, especially in terms of curating to grow the HP.
That's right! 🚀