I didn't notice the APR on holding HBD raised from 3%.
Didn't they say they'll wait for HF25, to only offer additional interest to HBD held in savings, and no interest to that held on the regular account? Reason being to not pay (an even bigger) interest to exchanges for custodial HBD funds, while customers receive nothing, most likely.
UPDATE: There is a potential reasoning behind this, at the cost of printing more HBD. To incentivize (more) exchanges to list HBD because they receive interest on it, for customer funds.
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The APR is not needed through hard fork, the Witnesses set that. A couple weeks ago, some moved to 7% which pushed it, on a median basis, to 5%. I did look but I guess more of the consensus Witnesses raised their rate and it moved it higher.
I do believe you are correct that the interest will only apply to savings and not HBD held out in fully liquid form. I cant swear to that but I believe that is what will happen.
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Correct. After the hard fork, only savings will earn interest.
Having more exchanges listing HBD is not a bad thing and it could be a great move. Help them make more money which gives HBD (and Hive) wider exposure. Of course, there is also the incentive for the individual to remove the HBD from the exchange and put it in one's saving's account to earn the return (if that is what is instilled in the hard fork).
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