Quite honestly, I would think the ideal rate is somewhere below 10%. Not that I want to see it decrease. When you think about it though even 5% is more than you would get at a traditional bank so by many respects it is attractive. It is also low enough that it shouldn't bug you too much to keep some HBD liquid. I think anything over 15 to 20 percent and you are going to start seeing too much HBD locked up like you are concerned about.
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That is true compared to traditional yields. However, we know that compared to what is taking place in cryptocurrency, the 10% on HBD is low. Thus, will people flock to 10% or even 15%? Hard to tell.
So far, it does not appear that a lot of people rushed out to by HBD to stick into savings. I havent seen any posts but I wonder how much of that 28 million excluding the DAO is really in savings.
Maybe @dalz will give us an update.
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Does this graph answer your question?
True, but a lot of those high percentages are in DeFi and I think we all know that DeFi (at least right now) has its own set of risks. If people are looking for something relatively stable, that 10% isn't so bad. Heck, my long term traditional investments don't always make that annually. Maybe we need to use the CUB kingdoms as a measure since. So somewhere between 10% and 80%? :)
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Certainly there are risk associated with DeFi. The key to return is growth. We see little growth in the traditional economy which makes the investment centers very low.
With DeFi, moving passed the insane stuff, we see growth rates that can sustain those returns for the foreseeable future. Hence, 10% is a very low number in my opinion, especially on Hive.
I foresee more than 10% growth annually using a number of different metrics.
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