20% starts to make me interested now. With 12% I felt no attractive sense to building HBD funds for passive income as I could most likely make more either through defi or simply through curation, and the interest on the hive. 20% starts to throw some of that out the window and starts making it an attractive option.
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HBD savings eliminates any 3rd party risk that is associated with DeFi. Plus it basically negates any volatility issues that we see with other DeFi applications (i.e. token price crashing).
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20% is amazing, but 12% is pretty damn good and shields you from risk of Hive going down, but you lose the gains if it goes up.
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