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Yeah, people talk about "rainy day fund"..3 months to 6 months to 1 year worth of expenses in a savings account depending on your life situation, economy, country etc. I hope we can provide people with confidence to trust our Hive-HBD ecosystem to do that. We we offer higher interest rate, and as you say even it is reduced to 10% it is still massive compared to any brick and mortar bank.

In the US it would be hard to move that HBD into anything physical in the case of an emergency, but I do hope that changes one day. Until then I just let it keep growing and throwing my interest back into it every 30 days or so.