It's a little late as I just saw this, but two important corrections: neither @alpha or @blocktrades is an admin for valueplan. Blocktrades is a keyholder just to ensure the funds are not lost and isn't involved in the administration of valueplan.
More importantly, the amounts you see to blocktrades and alpha are repayments of loans, not actual payments to us.
Hi @alpha, I wrote a proposal for a Hive Community Bank capitolized by the DHF but belonging to the community. #374. The strongest points are that HCB gives HIVE holders liquidity without forcing them to sell, which preserves long-term upside, may avoid immediate taxable sale events, and protects borrowers from flash-crash liquidations by using yearly reviews instead of twitchy real-time oracle triggers. The model is also easy to understand: borrow up to 50% of collateral value, keep the HIVE powered up in custody, pay a clear upfront fee plus low annual cost, and let borrowers repay later while keeping any future appreciation. Its best selling point is psychological as much as financial: it turns HIVE from “an asset I must sell when I need cash” into “productive collateral I can hold through cycles.”