Certainly I will keep pushing for time locked levels within the Hive savings program. However, I disagree that 20% is high interest considering we need so much of it to be created. This is something that can easily be offset by growth within the platform. Just think of how much HBD is going to be required to conduct $50 million in commerce.

As for the backing of HBD by BTC, why do that? Why try to use collateral for HBD when that should be the collateral? There is no reason to hand that role over to Bitcoin. It makes no sense to me.

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