I'm not concerned about exchanges. You obviously know much more about that topic. It was only a minor aspect in this discussion.

My main concern is, I fail to see an upside to this change. It increases complexity of Hive without offering a clear upside. I would prefer if we got rid of savings accounts.

If we can't encourage users to create a wallet and withdraw funds into it in order to hold a

• liquid
• stable coin
• with interest

what are we trying to achieve here?