It's a genius set up, if we're being honest, HIVE is actually the savings account here considering it's literally putting your money out of supply, so you don't spend it. Hbd is more like what you're rewarded to buy coffee, pizza or whatever else makes you happy:)
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Commerce is a vital feature we need to add to the HBD use case. This is something that is overlooked. When that is a major use case for a currency, then a lot of other things comes into play.
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