Thank you @akumagai
Instead of holding HBD, you could convert them HBD to HIVE. There is a good opportunity to do so now that HBD price is below $1
Or move them to savings to benefit from the current 10% APR
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RE: No more HBD rewards paid? Understanding the Hive Debt Ratio and its effects
Ahh yes, the savings. Sorry that's what I meant by holding.