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I am not sure it is the best APY but it has a rather low risk and certainly does provide a strong return without any 3rd party counter risk.

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It will be pointless for any hivers not have hbd in bear market because it is easy to convert to hive easy to use in hive ecosystem

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While HBD is certainly attractive and low risk, UST on Terra's Anchor Protocol is at 20% APY. My pick for the better of the two though is still HBD.

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Terra's anchor is good but I trust hbd savings and hive network the more.

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Yea I heard good things about that one too

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