I'm too small to save HBD the 10% ROI is not that much compared to being an active Hive user. It is important to remember it is not designed for active users but an alternative investment opportunity to blogging.
buying hive with it, staking and curating is a better ROI.
Marky did a post about delegating to APE where 15,000 delegation being used as upvoteing netted around $4.80 per day.
If you look at the 10% I think it is around $4 a day.
Just depends what you want to achieve.
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I agree that HBD might not really be for active hive users, but one can actually save HBD from buying or earning overtime to at least warrant some certain level of interest. It's probably a different aspect of economics to the hive blockchain that many are beginning to pay attentions to.
Definitely, I think also Hive appreciates are around 3% per year so by being active your APR is actually around 13% and that's not accounting for receiving upvotes for engagement.