I am not sure, but i need some clarification.
From the 3rd point, you said "get 40$ in Hive Dollars per 100$ of Hive deposited in HiveBank".
Why does it sound more like a savings terms than a lending terms ?.
I am being curious and i will appreciate some explaination.
Incredible post by the way.
Thank you.
The topic is complicated, and I am still thinking it through.
But in answer to your question:
If you purchase $100.00 worth of Hive at 40 cents it would be about 250 Hive. Then you deposit it on Hive Loans and borrow a maximum of 40% of the value of your deposit or 40$, and the loan is paid in Hive Dollars, this places a hold on your 100 dollars worth of Hive, which is released when you pay back the loan.