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4y
I had a look at hivestats.io and most people make about 5 - 8% APR from curating. Even the most efficient curators don't make 20%.
So I can see a lot of people powering down and converting to HBD to get their 20%. Which will change the Hive ecosystem.
RE: What Is The Inflation From HBD Interest? How High Can It Go And Is It Sustainable?