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There is also a passive component to HIVE POWER. PeakD says HP grows at a rate of 3.14% per year.

Yes i saw it too but is that an average of curation apr or something like the savings 20%

The HP interest is in addition to other HIVE rewards. It does weird things. For example, if you gave someone a 100 HP delegation and came back a few months later; you will find the delegation increased by the interest rate.

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