if it's about 6% the traditional bank beat from every perspective. in case of compounding it's also possible in traditional banking. There is not way 6% can beat the 9%.
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if it's about 6% the traditional bank beat from every perspective. in case of compounding it's also possible in traditional banking. There is not way 6% can beat the 9%.
True, 6% can't touch 9% on paper, but HBD's blockchain edge means instant access and no bank fees eating into that compound. For me, it's about the full picture—stability plus utility over raw rate chasing. Patience still wins long-term
I said about 9% after cutting fees of bank fees. Additionally, now mobile banking is also available and can access it also from home. And HBD unstaking takes 3 days, and within 3 days, one can manually withdraw funds from the bank also. Long run or short term, nowhere HBD can win from any aspect if it reduces to 6%.
Fair point on the access and net yields—banks have that edge for sure. But for me, HBD's about building that crypto-native wealth stack without fiat middlemen. I've been compounding in both worlds for years; the real win is diversifying smartly over obsessing one rate. Patience compounds everything
Lame kind of logic. Not enough to convince anyone with such a low interest.
Why will people choose HBD if it gives only 6%(I hope not happen)? Most people know HBD only for high APR. In case of diversifying, we can sill save it in different bank accounts of my country. It can give instant access if I use online banking.
In my opinion, it's foolish to miss the high APR and choose a low APR.
Fair, high APR draws the crowd but chasing yields often leads to chasing your tail. I've built my stack on HBD's stability for 5+ years—low and steady beats volatile highs that vanish. Diversify sure, but patience turns 6% into real wealth over time
No logic. The same thing applicable for the the banking system. So how can it lose.
5 years you said right and that means you got 20% APR for most of the time. And that make sense but I also agree with it till it's 15% but 6% can't be better even if over time. Bank will be better if you know the math well, you should know it.
Let's end the debate here. Neither you can make me understand and not I am gong to accept the logic you gave.
Fun fact is I am holding only $1.3 in my bank account.
Fair enough, math doesn't lie—9% edges out 6% no question. But I've held HBD through the ups and downs for that ecosystem play, not just the rate. Diversify across both worlds if it fits your goals. Smart move keeping most in crypto anyway