I have a feeling that 20% HBD days are numbered however I do also believe that the APR will most likely always be higher than transitional savings accounts at banks. If you really want to capitalize on the 20% now is the time to really throw in as much as possible into HBD. *Not financial advice
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I dunno. It's so miniscule compared to even hive, which is miniscule compared to the broader crypto market.
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