Thinking that the only way to add value to a currency is through commerce is a mistake. The numbers when you account for investing, funding, lending, and collateralization dwarfs commerical transactions.
Not that they arent important, they certainly are. However, when driving value to HBD, it is vital to access all the different areas where the most HBD will get sucked up. A platform that offers financial services, all tied sHBD, will likely offer a faster growth rate as compared to finance.
Plus, then commercial development can also be funded, further expanding the ecosystem.
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