Hi @anyx , I hope you don't mind this little note. The Hive Community Bank (HCB) proposal (#374) transforms HIVE from an asset you must sell into productive collateral you can hold through market cycles. Capitalized by the DHF and owned by the community, HCB allows users to borrow up to 50% LTV in HBD while keeping their HIVE powered up.
Key Advantages:
- Zero Liquidation Risk: Protects against "flash crashes" by replacing real-time oracle triggers with stable yearly reviews.
- Preserved Upside: Avoids forced sales and taxable events, allowing borrowers to keep 100% of future HIVE appreciation.
- Sustainable Costs: Uses a clear upfront fee and low annual costs, making it a symbiotic model where both the community and the borrower profit.
Read the full proposal: https://peakd.com/hive-167922/@shortsegments/how-to-borrow-against-your-hive-without-ever-selling-it-8cn