Hive, the token, is constantly inflated because new Hive is minted. I am not particularly up to speed on this because I do not use Hive for money, so haven't dug into and schooled myself on details, but I think there's a slowly declining rate of issuance.
The 20% interest rate on HBD in savings is higher than this rate of inflation the Hive token is subject to.
Hive, the blockchain/codebase (maybe the user @blocktrades provides it. Not really sure TBQH), includes an internal market where you can exchange HBD for Hive at rates set by the buyers and sellers in that market. I've used it and it works.
I'd encourage you to give @dalz a follow and check out his monthly HIVE Inflation stats posts.
October's HIVE inflation actually looks good.
Remember, inflation is not a dirty word.
It's actually imperative and extremely healthy if you are growing as a network alongside it.
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