20% is definitely competitive, especially for a blockchain that has been around as long as Hive. I saw yield of 20%+ about 6 months ago for other decent/respectable platforms, but nothing much over 14% recently unless you want to risk liquidity pools for dodgy assets or maybe do full KYC.
I was wondering if I should make an investment into Hive, maybe I'll make it into HBD instead if this 20% pulls through.