I'm for brining it down to something like 12% - 15% and then in a year or so depending on markets to 7%-8% and I don't have shit lol it just makes sense to me. People dump BILLIONS into 4% APRs all day long. 1/2
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I don't really care, but the main problem is that there is simply not enough HBD in circulation. at least 20% gets more in circulation.
Is it really in circulation though or locked up in savings? I'd love to see a chart/data on that. Perhaps I'm wrong but only numbers will show that.
yeah, the APR is paid out in liquid HBD so theoretically it goes into liquid circulation. of course some people will just stake the earnings, but again... More going into circulation is a great thing for Hive.