HBD is a stable coin, it doesn't charge you when you make transactions because there is no bridge. I still know how much it cost exange dollar to Naira. If you enter black market or have any issue in the bank, you have to spend 14 working days to resolve the issue. HBD has solution on this and that is what we are teaching people out there so that can join hive and see how it works.
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HBD gives those using a non-USD currency access to a USD denomiated asset.