Your accrued pending balance from HSBI needs to exceed 0.063 for it to deliver its 0.021 minimum upvote size.
While smaller votes than that are possible at the blockchain level, when a post pays out, the aggregate amount is required to exceed 0.02 or the entire payout is 'dusted' and not paid out. Hive SBI chooses to vote just above that so that posts with their votes are never dusted (or rarely and only when HIVE price falls more than the cushion amount allows for), even if they don't receive other upvotes. This also makes it safer for smaller accounts to also curate the posts that we curate, as they can see their votes won't be worthless.
The 3x multiple requirement is so that users always have a cushion in case we have issues and another upvote is delivered before that vote is recorded. However, we start every new member with enough pending value to deliver their first upvote. Effectively, everyone gets a bonus $0.042 at that start since they will always have $0.042 that will never be delivered.
Dude, thanks! I am once again grateful for your time and response. Whenever I start to look under the hood so-to-speak, it is plainly evident that Hive and the developers that operate within the blockchain are significantly smarter than me! 😅
!BEER