It is a very low-risk, fairly high reward situation. Many scoff at the 12%, which is low in crypto. However, there is no risk of a rug pull nor is there a chance at a hack of code or any other counterparty.
As long as HIVE is above zero and witnesses keep validating blocks (ie keep the chain going), there is no risk to the HBD savings.
Posted Using LeoFinance Beta
12% is better in every way to whatever the bank across the street offers of a savings account there.