HBD for now is my go to savings account. 12% APR beats the 0.05% my back offers on most savings accounts.
Other than that, if I was to make any services or projects that required a payment method I'd probably only accept HBD. Simply because it'll make my life easier in terms of accounting and stuff. I know it's 1$ worth of hive no matter what.
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It certainly does beat the traditional return. Of course, in terms of returns in crypto, it is not great. Yet it is low risk and solid. So it is a portion of my portfolio as a baseline return.
Plus 12% over a number of years will really add up.
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