The Hive layer will be less important if what you describe comes true. We are going to see the blockchain used as a back end for many things. They might tie in via Custom JSON.
It is all part of the evolution. Hopefully the HAF will encourage more development. In the meantime, we just keep pushing things in many different directions.
The HBD savings account made DeFi a part of the platform, albeit in a novel form. But hey have to start somewhere.
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