I like this type of post that invites on-chain discussion and feedback for potential features.
I am not at all sure if there will be much interest in such time vaults. It seems to me that crypto as a whole still has quite a lot of insecurity, volatility, large constant change in it, so the idea of offering something "secure" where one can park money seems dubious. There is no "set it and forget it" due to the constantly changing landscape. And anyways, people who are familiar with the HBD mechanics will know that the time vault interest is not guaranteed if the HIVE debt becomes too large and new HBD printing has stopped.
Apart from "security", the time vault also seems to offer a bigger return. This sounds great on the surface of it. But since this is crypto, people know that there are far greater returns to be gained by riding a bull run than a meager 25% (or similar) return. If someone locks up their capital for a year, this can prevent them from catching the bull run. So why would they lock it up? What is the target audience that would lock up their capital for this long?
Most of the investing world is after yield, not speculation. The fixed income market dwarfs other market.
So while there are going to be those who look for the 10x runs, many will opt for fixed returns.
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