Just a random thought, while 20% APR for HBD savings sounds nice, is it possible for an increase in curation APR for Hive power? This way a balance is created so people don’t rush HBD savings than powering up Hive.
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Curation apr is a factor of reward pool size and how much HP actively voting. This would likely have sone minor changes to curation if sone power down to buy HBD.