HBD, DAI and UST can be totally non custodial if you access them from the a non-custodial wallet. UST has had these really high interest rates for sometime, I would have lost 3% just trading it into BUSD and then another percentage getting into DAI, which I have a bit more confidence in, in order to earn 26%. Your article convinced me to not trade my HBD away.
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The nice part is once you are in HBD, there are no fees or slippage. With the internal exchange, no fees although there could be slippage.
So a few advantages that make the APR a bit higher when fees are accounted for.
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I do believe there really are people who don't know that, yet. Spread the word.