HBD would get A LOT more value if it was used as medium of exchange, as the dollar is - you know, going door to door and convincing merchants to accept it and then having people actually make purchases with it. This would benefit the whole Hive ecosystem. Of course this is at odds with a 20% APR on savings, which is a HUGE disincentive to spend ... So first the witnesses should annuonce that the rate on HBD savings would gradually go down to perhaps 4,5 or 5% and start implementing this and then a couple of desirable products should be made purchasable in HBD (with some kind of cashback as incentives perhaps). Hive is an excellent payment infrastructure with 3s block time and 0 tx fees but the 20% APR on savings discourages payments
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