HBD Interest Payments For August 2024 | 103K

in #hbd4 months ago

hbdinterest.png

September is here. We are entering the most interesting phase in crypto market cycle, I think. Bitcoin and crypto prices have been boring in August. While we did see some price movements, for the most part 60k for bitcoin seems to be a magnet price point. It is acting almost like an algo stable coin. If prices goes higher than 60k, shortly it is pulled back to 60k. Same thing has been happening if it drops below 60k. Things may change this month and upcoming months, I hope. Fed is planning to cut interest rates, presidential elections coming up in the US, more and more institutions are considering bitcoin or bitcoin ETFs for their portfolios. Even if none of these played roles in price action, scarcity of the assets only works for the benefit of the hodlers. I am looking forward for some big moves towards the end of the year.

There has been a big change in HBD world. Hive no longer pays 20% APR for hodling HBD in Savings. Hive stakeholders and witnesses decided to lower the interest paid for HBD to 15%. Currently, there are 6 witnesses still signaling 20% APR. But that is not enough. So, 15% APR wins. I personally did not prefer lowering from 20% to 15%. I think 20% was just fine, and had no negative impact so far. I can see how many would reevaluate their positions regarding this after months of Hive price's poor performance. When APR for HBD was initially activated and then later when APR was raised to 20%, the purpose for most was to make HBD more attractive as a stable coin and use this as a marketing tool. If the initial thoughts played out as they were intended, we would have seen millions, tens of millions pour into the HBD and Hive economy. This would also reflect positively on Hive's price. We didn't necessarily see this, or anything significant. I think that is mainly because HBD is not easily accessible in the market to buy with fiat. Especially for those in the US, it is not easy to buy/sell Hive and/or HBD. But also, many in the crypto markets haven't discovered HBD yet.

With this experiment we have discovered that APR is great tool for HBD, and has many benefits. It may not attract hundreds of millions at this time. But it does provide optionality in investing within Hive ecosystem. That is great all Hive participants. 15% APRT is not bad either. What is concerning for me is that, lowering the APR broke the consistency in monetary policy. Hive paid 20% for years without any interruptions, and almost became an unchangeable thing, although we all knew it could easily change. On one hand I hate to lose this long streak of unchanged monetary policy, on the other this may actually be educational for investors that to consider possibilities of APR changes.

There are differences of opinions regarding the APR. This change also shows that Hive works as intended. Ultimately stakeholders pick up the tab for all Hive expenses, and their votes matter in these decisions. Hive witnesses have the freedom to set witness parameters as they choose. Similarly stakeholders have the influence of electing the consensus witnesses who end up setting the monetary policy for APR. All is done in a decentralized fashion utilizing DPOS protocol.

Total HBD Interest Payments & Accounts By Month

MonthYearTotal AmountTotal Accounts
March202110,429 HBD6,415
April202112,208 HBD7,106
May202116,574 HBD7,250
June202138,883 HBD7,167
July20211,696 HBD682
August20215,646 HBD1,062
September20212,570 HBD1,129
October20214,914 HBD1,239
November202110,931 HBD1,482
December202119,004 HBD1,655
January202219,740 HBD1,843
February202214,775 HBD1,654
March202226,506 HBD1,827
April202235,223 HBD2,357
May202266,025 HBD2,471
June202255,929 HBD2,253
July202262,053 HBD2,440
August202245,416 HBD2,573
September202260,083 HBD2,582
October202257,388 HBD2,712
November202269,228 HBD2,645
December202271,830 HBD2,684
January202386,019 HBD2,800
February202372,016 HBD2,659
March2023102,702 HBD2,968
April2023102,158 HBD2,875
May2023115,907 HBD3,046
June2023113,685 HBD2,796
July2023114,838 HBD3,018
August2023125,346 HBD3,049
September2023116,628 HBD2,853
October2023127,548 HBD3,107
November2023127,402 HBD3,136
December2023128,052 HBD3,234
January2024115,789 HBD3,321
February2024127,555 HBD3,110
March2024136,055 HBD3,285
April2024138,044 HBD3,111
May2024130,686 HBD3,125
June2024133,454 HBD2,900
July2024126,956 HBD2,838
August2024103,070 HBD2,898

As you can see we have a big drop in the total payments compared to previous months. Hive is still paying a little over $100k monthly, the number for August is significantly lower than July's numbers. In the past I was convinced this number was not going to drop below 100k and it hasn't. But now I am not sure. We may see lower numbers in coming months. It doesn't look like HBD investors are abandoning HBD. Hive is just paying lest in interest payments.

Top 650 HBD Interest Payments For August 2024

#NameAmountDate
1lazy-panda24221.3932024-08-18 08:30:30
2newsflash5999.5682024-08-27 15:10:00
3smooth-a3520.8292024-08-01 13:29:57
4investegg2586.4002024-08-11 09:47:57
5shitposter2096.6092024-08-28 20:29:21
6yunnie1827.5732024-08-25 21:36:54
7mika1720.8412024-08-21 22:17:54
8parkman1668.9662024-08-24 04:21:57
9lucius.banda1504.6102024-08-16 08:50:48
10v4vapp.dhf1456.8842024-08-19 12:48:12
11nuttin1320.9942024-08-08 22:30:06
12peakd1182.7212024-08-30 07:35:51
13vaultec1079.4122024-08-26 19:14:42
14zhipi1033.0302024-08-18 05:55:48
15luolu1001.0042024-08-23 06:46:51
16toni.point884.9732024-08-04 17:53:27
17apshamilton881.0972024-08-25 09:11:12
18roundbeargames863.5822024-08-22 07:43:18
19amomslife862.3912024-08-13 13:21:33
20engrave.cold843.7262024-08-27 15:12:33
21x30820.8862024-08-16 15:24:54
22ncwarp794.6972024-08-25 15:01:54
23wohngluck774.7952024-08-06 03:05:48
24hbd-promo756.4682024-08-27 13:38:06
25crypt0gnome740.8862024-08-07 13:47:15
26dfund740.1102024-08-15 06:40:57
27scaredycatguide678.3722024-08-07 14:55:51
28piggybox-001674.0232024-08-21 10:15:51
29peak.open602.1602024-08-21 08:33:33
30lazy-ninja593.1272024-08-05 17:28:24
31planetoceana557.4822024-08-31 04:52:45
32cashbuyer523.2002024-08-26 09:29:12
33amamos494.0692024-08-24 19:31:09
34cranium489.4832024-08-19 18:12:36
35davidchaussure486.7592024-08-14 20:55:27
36cryptosharon481.0212024-08-16 00:40:57
37timesheets467.5702024-08-19 02:10:03
38ars09461.7882024-08-20 19:30:09
39bulldog1205413.4872024-08-14 01:33:36
40staurakios387.0822024-08-24 22:41:54
41alives346.7652024-08-24 17:55:21
42risingstarhub336.6182024-08-10 16:44:15
43princekham328.9802024-08-15 20:39:36
44yann0975321.6942024-08-12 04:01:45
45strawhat306.2752024-08-22 10:14:36
46holbein81275.2372024-08-02 13:27:27
47solominer.stake272.5052024-08-10 12:17:39
48paleking268.8032024-08-17 19:51:36
49newilluminati264.2592024-08-26 08:14:09
50cloudblade262.6122024-08-21 14:32:48
51taskmaster4450le261.4682024-08-18 21:47:33
52gaottantacinque258.2552024-08-11 03:09:27
53dapomolaojo257.9242024-08-04 13:02:15
54mup255.9312024-08-29 09:18:27
55mollyw248.1652024-08-22 14:49:30
56methodofmad238.4302024-08-17 11:13:12
57namelessnameless237.6352024-08-16 22:31:33
58stoodkev234.3602024-08-07 08:21:12
59tamiil232.7112024-08-25 09:04:57
60cryptosimplify231.5032024-08-10 10:48:09
61florian-glechner231.1532024-08-19 21:10:09
62offgridlife228.7202024-08-01 21:19:42
63deanliu228.7122024-08-19 12:33:45
64teadrinker37223.8052024-08-01 07:12:15
65primalamacchina222.5532024-08-29 15:08:03
66theghost1980219.9762024-08-08 16:38:24
67jedigeiss215.1102024-08-26 17:39:24
68iamjohn214.7522024-08-21 12:25:54
69raythulhu213.8472024-08-06 16:33:42
70vikisecrets212.1792024-08-05 22:59:18
71sorin.cristescu205.1772024-08-02 18:37:36
72rynow198.1072024-08-28 18:59:54
73pixels.vault197.5392024-08-06 19:28:18
74fredrikaa194.0222024-08-11 18:33:33
75detlev193.4832024-08-08 21:53:51
76sucrelibre193.1022024-08-12 15:11:03
77achim03191.5992024-08-30 09:29:30
78beltrandentalslp188.9432024-08-05 04:38:00
79evanstinger180.4692024-08-09 04:18:15
80pi-store179.9182024-08-25 20:26:36
81offgridlife175.2392024-08-31 21:20:03
82alejandromata170.5052024-08-08 00:23:27
83piggybox-003169.6782024-08-21 10:15:51
84naloman165.3602024-08-05 07:27:06
85city-of-dresden165.2292024-08-06 13:00:21
86worldfinances156.1032024-08-29 19:09:57
87lemouth151.8592024-08-18 14:25:51
88niftyparkreserve148.2772024-08-18 05:00:48
89seraphim502147.9982024-08-14 03:09:39
90blackheart1147.6662024-08-14 18:45:33
91eliel146.7822024-08-09 16:34:18
92arcange146.3002024-08-09 20:10:48
93jarvie143.6762024-08-01 16:00:27
94lovejill142.8192024-08-26 11:12:42
95axrho139.0532024-08-27 13:20:06
96johnhtims.life137.6692024-08-05 02:07:57
97komachida137.5822024-08-04 11:47:57
98demotruk136.4842024-08-07 06:23:36
99taruk132.1572024-08-16 08:29:48
100bo022131.5632024-08-07 13:59:24
101slobberchops131.2852024-08-17 09:14:45
102ura-soul130.4692024-08-30 23:34:03
103eonwarped130.0112024-08-22 02:43:51
104gimmiethecash129.5782024-08-19 13:19:54
105dmwh129.1072024-08-11 01:15:00
106nrzero127.4782024-08-13 06:18:33
107fundacja127.4252024-08-30 23:06:45
108valdiva124.0182024-08-22 15:40:45
109d-hive123.1972024-08-17 07:54:45
110dsavings122.7952024-08-18 14:03:27
111swelker101122.7462024-08-22 00:22:48
112livinguktaiwan121.7422024-08-06 22:50:57
113lk666121.0772024-08-07 18:54:24
114magicmonk120.2752024-08-23 23:47:21
115aafeng119.8922024-08-19 19:44:12
116venadita119.5582024-08-04 19:03:45
117hiroshige119.5032024-08-29 10:23:15
118silentriot118.2232024-08-05 18:02:48
119bozz115.0432024-08-11 00:14:42
120d-company115.0082024-08-16 04:17:51
121gooddream113.4112024-08-24 04:34:57
122sascha.held112.8882024-08-27 20:22:57
123ironshield112.6342024-08-15 13:11:03
124eddqq111.7502024-08-03 09:47:57
125coinmint110.8662024-08-20 14:27:39
126eturnerx-honey110.6602024-08-25 00:33:36
127rynos-6109.9002024-08-24 09:52:06
128penta555107.1522024-08-23 13:34:09
129puravida6666106.9042024-08-05 10:53:24
130orestistrips104.7562024-08-26 16:49:30
131holoferncro104.7372024-08-21 18:57:21
132delishtreats103.9012024-08-01 20:26:36
133rarej101.0822024-08-13 12:44:54
134hiveabbyftp100.3362024-08-01 14:39:51
135sofiestication99.4982024-08-29 21:59:39
136immanuel9498.8272024-08-07 03:33:51
137modeprator97.4462024-08-01 06:49:21
138revisesociology96.8092024-08-04 16:02:03
139eds-d95.7682024-08-13 13:32:18
140telos93.0962024-08-02 13:19:27
141coffeelovers92.6322024-08-22 01:49:30
142germansailor92.4682024-08-13 13:39:03
143j8506391.7132024-08-04 02:21:15
144onkeltom91.3982024-08-01 12:37:24
145dresden.theone89.5922024-08-19 05:06:18
146bdmillergallery89.0432024-08-04 21:20:48
147beanz88.8242024-08-19 22:41:39
148louis8888.4952024-08-19 15:51:27
149hiveonboard87.7892024-08-01 14:07:57
150mrchef11186.8282024-08-09 18:44:09
151johnboywalton86.1972024-08-10 14:33:21
152netuoso84.2722024-08-13 04:16:12
153hbd-temp84.0342024-08-10 22:48:24
154grindle82.1402024-08-14 13:42:03
155tiffin80.9912024-08-05 20:06:36
156shimozurdo80.3132024-08-30 01:27:54
157r-hive80.2332024-08-13 10:43:21
158nytehawker80.0682024-08-09 05:28:18
159uwelang79.8622024-08-16 06:23:18
160anthonyadavisii77.9582024-08-19 04:14:27
161stephen.king98977.9032024-08-01 09:33:12
162munchiesmcgee74.5782024-08-22 11:39:36
163kpcapital73.6262024-08-01 18:02:12
164captaincryptic73.0262024-08-03 20:17:51
165thisnewgirl72.5912024-08-03 16:01:27
166krishool70.9542024-08-02 01:01:39
167sketch.and.jam70.9112024-08-02 17:14:48
168melcaya70.6632024-08-07 08:44:39
169wartrapa70.5742024-08-28 15:51:21
170normie.fitness69.9932024-08-22 01:59:39
171moldovan.ionut69.6302024-08-22 20:27:30
172trangbaby69.0662024-08-20 07:14:39
173alferkgb67.5932024-08-30 20:05:03
174taiwotsele67.3772024-08-22 11:08:18
175miroslaviv66.4402024-08-26 22:09:33
176msdeestrees65.9052024-08-01 06:59:15
177marcusantoniu2665.7792024-08-20 04:02:42
178samuel-swinton65.7512024-08-29 14:31:24
179liltammy65.7452024-08-06 10:37:21
180chaingmai.hhh64.2052024-08-01 01:47:09
181hiveauth63.6122024-08-29 14:41:54
182kbv.animalwelf62.3302024-08-01 01:45:12
183hendersonp61.7922024-08-09 02:12:51
184cheftony61.7922024-08-27 22:26:39
185friendlymoose61.6622024-08-08 20:43:09
186marcmh66661.3382024-08-16 07:51:24
187megapiupiu61.1302024-08-25 15:01:54
188mortalibus60.6442024-08-08 01:16:33
189gwajnberg60.6022024-08-01 15:00:18
190lbi-token59.3692024-08-25 22:19:06
191deepresearch59.2862024-08-24 23:11:33
192michelmake59.2242024-08-18 18:33:42
193cryptojiang59.2052024-08-06 22:34:48
194bobby.madagascar58.9932024-08-06 00:54:27
195andruto58.4112024-08-30 09:51:18
196bojan-bee57.8172024-08-06 18:32:45
197frank1in57.5652024-08-28 06:42:18
198stehaller56.8082024-08-29 16:49:33
199theb0red156.7432024-08-30 06:31:45
200behiver56.5022024-08-21 11:10:15
201kennycrane56.1762024-08-07 11:25:06
202steemflow55.6902024-08-29 11:15:18
203oflyhigh55.6102024-08-16 14:48:21
204nick.name55.5242024-08-01 20:42:09
205web-gnar55.1222024-08-13 05:29:06
206ericvancewalton55.0192024-08-10 15:06:03
207obsesija55.0052024-08-08 17:45:33
208onealfa54.6162024-08-15 06:15:21
209anna-newkey54.5562024-08-01 15:28:57
210holistic-mystic54.2932024-08-11 03:16:24
211winniex53.9432024-08-30 07:41:45
212pr4ec14rv553.9412024-08-11 15:13:12
213bambukah53.7002024-08-23 21:29:12
214hive.helps53.4692024-08-18 16:35:54
215ookamisuuhaisha52.2522024-08-05 10:08:42
216bil.prag52.2022024-08-03 03:21:45
217mineopoly51.7552024-08-03 12:25:06
218getron51.5452024-08-08 17:45:30
219nyz351.1802024-08-05 05:46:57
220papilloncharity50.7442024-08-19 07:41:30
221sevatar50.7222024-08-18 06:13:42
222safi550.7142024-08-07 14:06:33
223shaunmza50.4672024-08-29 18:48:36
224bigkrik5450.1682024-08-27 18:43:09
225lackofcolor49.4652024-08-13 15:21:00
226toofasteddie49.3742024-08-29 14:03:00
227jankos5548.8732024-08-06 21:57:03
228whatsup48.6992024-08-27 14:17:06
229leiaviathan48.4082024-08-23 06:13:21
230mrpointp48.2812024-08-03 04:29:57
231edian47.7872024-08-08 17:45:30
232jack.russelle47.7232024-08-31 08:40:00
233dumb-news47.6432024-08-03 03:43:03
234hiramdo47.5842024-08-11 07:14:39
235bitcoinflood47.1402024-08-30 02:02:48
236joshman46.8192024-08-20 02:49:36
237kbv.animalwelf46.7462024-08-31 08:36:21
238schneegecko46.7092024-08-20 09:09:30
239techcoderx46.5512024-08-06 08:43:06
240lordbutterfly46.4442024-08-16 15:40:06
241mathowl46.3182024-08-01 06:02:09
242davidke2046.2202024-08-01 01:44:15
243irenenavarroart45.5512024-08-08 21:10:39
244fighter4-freedom45.2802024-08-09 21:44:15
245niclotte45.0722024-08-17 10:15:48
246alexicp44.6762024-08-01 21:10:00
247oberlix44.6732024-08-21 06:37:30
248tannix44.5332024-08-02 03:06:00
249jznsamuel44.4072024-08-15 03:23:57
250molometer44.3012024-08-06 18:35:54
251eil730443.6462024-08-04 20:31:09
252darth-azrael43.6392024-08-22 03:17:21
253fractoli43.3652024-08-16 14:47:48
254kolbjorn43.2412024-08-10 08:49:27
255eolianpariah243.2212024-08-12 09:55:33
256xara42.7202024-08-17 16:50:03
257oneweaver42.6902024-08-16 23:16:18
258hirohurl42.5602024-08-20 13:37:03
259talesfrmthecrypt42.2382024-08-24 03:58:21
260flemingfarm41.8852024-08-31 14:13:12
261silviared94541.8652024-08-11 08:44:00
262anna-newkey41.3592024-08-31 21:48:57
263intinte-vault41.1972024-08-28 18:55:27
264seckorama41.0172024-08-13 08:50:48
265mrspointm40.9742024-08-03 04:28:39
266sandymeyer40.7712024-08-23 19:02:30
267stayoutorz-fin40.4492024-08-10 22:52:57
268yumyumseth40.2682024-08-27 13:17:48
269djbpw40.2542024-08-19 14:27:51
270mirafun40.1242024-08-09 08:51:57
271sports.guy5539.9632024-08-30 05:30:57
272nostalgic121239.9562024-08-31 15:59:24
273vcclothing39.9152024-08-27 02:38:45
274gungunkrishu39.9022024-08-14 10:08:48
275cryptokungfu39.3102024-08-08 00:14:48
276nunshaken39.0292024-08-05 08:35:33
277garlet38.9842024-08-25 08:10:09
278susanli376938.8602024-08-19 21:10:33
279dandays38.7142024-08-25 01:53:03
280nick.name38.6012024-08-31 21:13:36
281mazinfu38.5002024-08-10 12:15:48
282asean.hive38.1032024-08-31 00:11:39
283filotasriza337.9872024-08-28 06:21:12
284enjar37.8672024-08-11 01:10:57
285thekittygirl37.8312024-08-21 01:17:42
286miniature-tiger35.9602024-08-05 06:51:24
287monkmasters35.4552024-08-19 12:43:21
288santigs35.2552024-08-18 15:25:42
289jfang00334.6812024-08-18 16:13:06
290fermentedphil34.4762024-08-24 10:40:09
291eddwood34.0092024-08-21 12:16:42
292steemstreems33.8702024-08-26 22:14:03
293generikat33.7312024-08-31 01:53:42
294koenau33.5902024-08-30 18:25:54
295jt1582233.2392024-08-11 23:03:27
296barnabo7333.1322024-08-06 20:11:51
297xrayman32.9562024-08-21 15:31:15
298primersion32.9332024-08-27 20:58:36
299beelzebubba32.4482024-08-12 07:39:33
300ammonite32.3322024-08-06 21:22:36
301pandasquad32.2772024-08-27 17:44:57
302zokka8231.6682024-08-24 12:35:18
303ryivhnn31.6212024-08-01 15:19:45
304oakshieldholding31.5872024-08-12 16:35:18
305x9ed1732b.stake31.5262024-08-31 10:48:54
306epic-fail31.3022024-08-20 13:15:33
307splitterhands31.0412024-08-28 10:55:09
308danny.green30.8922024-08-28 06:35:39
309kesityu.fashion30.7562024-08-26 07:16:39
310aussieninja30.5742024-08-04 18:33:18
311nutfund30.3862024-08-18 07:20:09
312ly-00-03-lqd-kh30.2072024-08-01 06:22:36
313aitrip29.8482024-08-29 00:11:09
314aleister29.2962024-08-18 16:11:36
315steemseph29.2222024-08-12 01:43:30
316freiheitsammler29.1182024-08-01 13:12:57
317marcocasario28.9072024-08-11 03:12:39
318tombramycin28.7002024-08-26 10:17:36
319brianoflondon28.5002024-08-26 16:35:45
320for91days28.2452024-08-18 15:09:21
321trumpman28.2372024-08-30 19:59:09
322eisenbart28.1892024-08-22 12:53:09
323narcos66627.9442024-08-10 00:34:39
324attentionneeded27.7602024-08-04 08:49:00
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Interesting analysis, thank you for providing such detailed data.

I'm curious to see how these shifts in HBD APR will influence Hive's ecosystem in the long run.

Recently, I cant help but notice the volatility of HBD and I would like to ask your opinion if the lowered APR to 15% has something to do with it?

I don’t think APR does anything to HBD price fluctuations in a long run. Peg works fine and price always tends to make it back to 1$ regardless it goes up or down. Since it is a traded asset it is normal to see price fluctuations.

You're right about that too. Maybe I'm just overthinking it since HBD is often converted to Hive during market conditions where Hive's price is well below $1. Initially, I thought that with the HBD APR dropping to 15%, holders might be dissatisfied, leading to increased HBD selling and causing the volatility.

I’ve also noticed that HBD tends to return to its peg, thanks to the HBD Stabilizer.

In any case, I still think HBD is a good asset to hold, but maybe not right now. Perhaps when Hive's price approaches $1 again, hopefully soon.

I think 20% APR was fine but I am still going to use HBD savings at 15%. It sucks to see the huge drop but I did move up to the top 300 now.

scarcity of the assets only works for the benefit of the hodlers.

Yeah, and regret for those who didn't invest as early birds.

The decrease in price of Hive is also demotivating. I have been on Hive for the last 3 years and the price drop to this level has occured for the first time in my journey. I lost my HBD due to this price drop as I had converted all of my HBD to Hive.

Hoping to see the chain grow

Do you know how much HBD was held in savings at the end of August vs July? That will give us a better idea on the scale of net outflows because
the number of accounts have actually increased over the month. Thanks

I don’t have those numbers right now. I may try to pull these numbers later. Usually @dalz creates reports showing the inflow/outflow numbers.

I totally agree. The HBD is worse than Hive when it comes to trying to buy or sell it. It is the same chain as Hive. It is a first class asset on the Hive chain. Why is it that it is not available on exchanges that make Hive available?

You lose significantly buying into HBD from the spreads of having to buy and sell over multiple exchanges in order to get into HBD. It makes sense for me to hold it for now, but for those who want to buy in. It is not such a great idea now. That's okay, I guess.

The HBD rates are still great. 15% is amazing !

I took some gains last year and into this year for the first time in a while and I don't even make the HBD list anymore. I'm working to get back on it but it's a steep and slow climb. Maybe I'll make that my goal for 2025

Thank you so much dear friend for giving us this detail update

Congrats, folks!

I am very pleased to see my name on this list. I've been working hard to get here.

Thank you to everyone who has already helped me, who helps me and I hope you continue to help me get further and further.

Will the 15% APR be shared or divided for 12months so we will get 1.25% monthly?
Right?

A great report, and a great analysis of what is happening in the world and in our HBD movement. Anyway, even though I noticed this drop in apr, I will continue to leave my savings in HBD, because little interest is better than none. Regards!

lazy-panda is a topper in HBD interest payout, Seems he saved a lot of HBD

I think the hbd rate is still pretty cool or what do you actually think?

I know a lot of people complained about the APR rate being very small but it feels good to see a lot of people earn profit from it
Goodluck to everyone!

Thank you for the update. Where can I check which witnesses voted for and against?

Thanks for this information! Love me a good data dump.

!ALIVE

Looks like HBD holders are still happy with the 15% APR as there is no dip in the number of accounts.

You’re right about Bitcoin—60k seems to be a strong price point, and upcoming events could shake things up.

As for Hive, the drop from 20% to 15% APR for HBD is significant. While the higher rate aimed to boost HBD’s appeal, it didn’t attract as much investment as hoped. This change reflects Hive’s flexible governance and the role of stakeholders in setting monetary policy.

How do you think this APR adjustment will impact HBD’s adoption and Hive’s overall ecosystem moving forward?🤔

I think 15% is still a decent low risk investment option.

thats some nice rewards. 15% APR is calm

!luv

I will also reevaluate my position as an user who holds more than 1000 HBD in saving account. Considerin the poor performance of HIVE for a long time, it is obvious that we will be in loss of %5 interest payout.

That's a lot of recycled posts.

Recycling is important. More recycling is less pollution.

Yes. If it wasn't for things like paper and plastic, we wouldn't even have the opportunity to save the world. And that would be a sad place to live.

Thanks for sharing. Have a nice day!🤗💚🫰

as long as it keeps growing . . .

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Curated by amberkashif

What an achievement for those people, Congrats everyone

Such attention to detail. I can only imagine the amount of work that went into creating this post. Kudos👍

Wow! Your tenacity at collating this long list needs to be studied , great job I must confess.. Keep on the good work and more power to your elbow.

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Interesting analysis, thank you. A hug

15% APR is still to high. It still makes hive and HBD look like a scam. No serious investor will pour serious amount of money with this high APR. Money does not grow in thin air. This excess HBD created from 15% APR steals value from the hive tokens. We are actually losing the hive value with unsustainably high APR. It should immediately be fixed to 0% to save the ever declining value of hive.
HBD exists because of hive and not the other way round.

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