I think its a good idea to think about the value propisition of HIve and the DHF. I think the DHF should provide capitol to HIve community members for businesses which benefit hive. I think HIve as a community needs financial services si I am building a bank whose purpose is to facilitate hodling hive collateral. I wrote a proposal for a Hive Community Bank capitolized by the DHF but belonging to the community. #374. The strongest points are that HCB gives HIVE holders liquidity without forcing them to sell, which preserves long-term upside, may avoid immediate taxable sale events, and protects borrowers from flash-crash liquidations by using yearly reviews instead of twitchy real-time oracle triggers. The model is also easy to understand: borrow up to 50% of collateral value, keep the HIVE powered up in custody, pay a clear upfront fee plus low annual cost, and let borrowers repay later while keeping any future appreciation. Its best selling point is psychological as much as financial: it turns HIVE from “an asset I must sell when I need cash” into “productive collateral I can hold through cycles.”
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