3 years is a fair period of time to seduce external investors, if in that time they don´t onboard is not worth keep the 20%. Until now the inflation produce by HBD Savings interest is not significant ( a 3.5% I think)
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It's already been a year though and plenty of downward pressure on the markets to sway people into stables but not a lot has come of it.
I'm all for keeping it giving people interest but 20% is a bit too high, in some cases even raising red flags and doing the ecosystem more harm than good. I prefer something around the same as holding HP.