The 20% is just a high target for regulators. I don’t like it at all. I don’t believe it will last. I believe HBD will only bring attention and put a 🎯 here. The chain is decentralized but this data is all public. The tax man will tax this beyond regular interest. Will be treated as income or a stock gain. I dunno I just don’t think this is a good sign. Just my take though
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