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everyone uses that number, I mean for outside HIVE blockchain. because if they try to use 30% or above, it will look as a scam trap. For example the most infamous one, UST.

tbh, I don't know about any that gives 20% atm... That's why I asked you about it...

Luna, Celsius, and others that tried it are dead... Only maybe in some LPs, you can get 20% (or over), but there you have an imp. loss risk...