The pHBD/USDC pool might be the one saving grace. The pool isn't really dependent on the high interest.

3 day withdrawal period

Three days is not a long time. However, it is long enough to keep people from using HBD as their primary currency. People who plan large purchases factor such things into their equations.

For example 3 days is a tenth of a month. I would not put money in HBD that I might use in the upcoming month because that 3 days reduces my interest by 1 tenth.

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