That’s an interesting idea. When Marky first proposed the 20% rate back in the day, the goal was to attract outside investment. It didn’t really work — partly because we never advertised it, so hardly anyone outside Hive even knew it existed.
But sticking to that original logic: if someone were drawn to invest in Hive because of the HBD interest rate, wouldn’t adding a requirement to hold a substantial amount of HIVE risk discouraging them from investing?
I’m not sure about high-net-worth levels, but at mid and low levels I can’t think of any banks that boost interest rates just because you hold more. What I do see a lot of are sign-up bonuses: deposit a certain amount, keep it there for six months, and get a cash reward.
Maybe that’s a better angle. What other incentive structures could we borrow or adapt?