Hey man, always great to have you stopping by my page. Great minds think alike is what they say! I have no idea why they have 20% interest on HBD? I guess they need a certain amount in there to keep it as a stable coin and this is a great way to get funds transferred over there, but I guess when they hit the target they will reduce it back to 8 or 9%, at least that's how I see it, but what do I know! :)