Currently already exists other crypto project that works more a less like HBD that is UST and everything it is working very well and they have a 20% APR for UST.

With the HBD Stabilizer project I think 20% APR on HBD will not hurt our ecosystem but we need to see what will happen.

One thing I know this will make possible to atract more people to Hive blockchain because exists a lot of investors searching for good APR on stablecoins.