Very nice reading of your experience!
It definitely changed my life too, on many levels and I actually wrote a short post about this last month.
Also, I totally agree on the importance that the HBD savings can have in our ecosystem. At 12%, it is already on par with Nexo highest tier for instance, without needing to hold an additional token (except for a bit of HP) and without having to trust a 3rd party.
I really dont think people realize how big that is. HBD savings checks a lot of boxes and is truly in line with the "not your keys not your crypto". Being on the base layer of a chain run by 20 consensus witnesses and another 80 or so non-consensus is very powerful.
Personally I think the fixed income market holds great potential for Hive.
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Definitely!
I plan to slowly grow my HBD position this year. The only risk I see is that because the volume is quite low, you ll need to make a conversion to sell, and a big price change during the 3.5 days could hurt.
I have a feeling we will see the liquidity issue resolved by the end of the year. We are going to see some use cases arising which means there is going to be a lot more HBD to hit market.
For this reason I believe we will see an increase in the interest rate to get more produced naturally.
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