I think the layer-2 solution ought to have HBD, USDC and/or other stablecoins to be lent out. The platform could offer interest on deposits. Borrowers would deposit their HIVE as collateral. By opening up to other stablecoins, there could be sufficient liquidity without requiring outside investors to open a Hive account.
As we are a small platform, we would be well served to have a dual stack of HIVE and EVM collaterals. Outside borrowers would subsidize lending for Hive borrowers.
The interest rates on stablecoin deposits in the DeFi lending should be less than the interest on HBD Savings.
That would make the circular nature of things explode.
Post hive based collateral, get a loan at a lower rate than what is being paid on Hive , and buy more of those assets.
Rinse and repeat.