There may be more than one, I just know of one. I am actually thinking about using for my projects as well. It isn't easy though, because you don't get the 20% instantly and not many people want to wait a year to get it. It also comes locked up so you are constantly unlocking rewards.
Being monthly, that means that is the shortest term you can use it for your dApp users without dipping into your own pocket.
In fact, it is likely you will have to dip into your pockets to use the rewards for a dapp which becomes a nightmare in terms of calculating. For example, if you wanted to use HBD to support a weekly reward pool. That's about 0.38% gain weekly if you ignore the 3 day to unlock.
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Just draw from principal. The interest will replenish it at the end of the month when paid. The interest will be slightly lower of course, but not significant.
One risk is that witnesses reduce APR (potentially to zero) before it gets paid out. This should be made clear in the rules of the game/dapp.
That is all true. At best you will have to wait a month to get the first payout and build from there. You are right, the accounting could get rather wonky if not careful. Have to first develop some type of revenue stream then place it in the savings and start earning there.
Alas, first order of business is getting the option there for people.
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