I think many people in crypto underestimate the magnitude of 20% interest because they are used to high rates. 20% is a life changer, especially if you can earn HIVE steadily and invest regularly.
In fact, 20% may not be sustainable for HIVE in the long term. Best to get on it while the getting is good :-) At some point it will likely come down. Not right now though. Now it is needed to get growth and stability for HIVE/HBD. People in HBD now are gonna look back 5 years from now and be very happy I believe (just 'cause I believe it doesn't make it so however).
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