I think the main reason most witnesses are supporting this is because the 12% apr for hbd works perfectly without any issues, 17% would have been better for testing but 20% is what everybody wants.
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20% is the rate that is aligned with some other stablecoin projects.
As for the threat, we have 9 million HBD in circulation. We need to 100x that to be a legit stablecoin.
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Let's wait and see how the first few months workout
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It is going to take a while. But the first option looks like it is going to be the Polycub LP. We will have to see how much HBD ends up in that pool.
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2million hbd should do for a start
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