Totally agree with you, 15% is still a very good return for a 3-day lock up period for stablecoin.
Which is why I will be converting some of my $Hive to $HBD on the coming bull season or when the Hive’s price go above $1 in preparation for the next cycle of bear season. It’s a good thing that I don’t have to go to exchanges in order to make it happen.
Good to read your insight about this as I know that you have a good judgement on things related to Hive.