I think the interest rates are just dictated by the top witnesses (median). Either way, I don't know if the interest rates will stay that high forever and I expect it to drop over time when the supply of HBD is high enough so it doesn't affect the inflation of Hive that much.
I think buying HBD would be easiest through the bHBD pool on CUB and pHBD pool on PolyCUB.
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