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Hmmm 3% for HBD vs HP curation and inflation rewards. I know what I would do because HP offers a lot more than 3% xD

Any opportunity that i will earn passively on my tokens on hive, i will take it.

You earn on Hive by:
Posting content(i am lazy and not skillful as a content creator)
Curation(trails are boring, but do it manually-still lazy)
HP Inflation(sit back wait, just staked it)
Delegation(stay sitting)

And now, interest on HBD holdings, ♥️