Oh that's some fair counterpoints! I'm not that convinced about the promotion of 20% though given that I can't even google Hive without another Hive company using this hive's logo (probably an error somewhere) popping up on the side, and refining the search to include 20%APR, you just get blogs questioning the sustainability of it. Some heavy SEO work on all fronts is needed, I reckon.
Onboarding, I definitely need some updates with that so I'll see you over there in a bit