Hello @fjworld, sorry for the late reply
You're right, only a small percentage of HBD is in savings. This might be because many users prefer to keep their HBD liquid for immediate use or trading.
As for the 20% interest, it's indeed an attractive rate compared to many traditional savings accounts. However, as you pointed out, potential gains from trading can sometimes exceed this. It really depends on one's risk tolerance and investment strategy.
In terms of saving strategies, it could be beneficial to diversify - keeping some HBD in savings to earn interest, while also investing in other tokens or assets for potential higher returns. Always remember to do your own research and consider your financial goals and risk tolerance.
Enjoy your day!
