20 % can seems high after one year of bear run, but Hive can reach $ 2-3 in one year, if the bull run goes on. So my guess is that is much more profitable today to buy Hive. You will enjoy HBD when Hive will be at $3, whatever the APR will be.
This is not an investment advice, only a dream...
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Yeah. And people look at it as a ROI as opposed to what it does for the Hive economy.
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