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For now it is just me as I see this as a small experimet with not a lot of funds in question, thats why the cap of 10k.
The good thing is that this project by its nature is an itterative process, and can be build from here. If things grow in the future I will make sure to have a backup, with an end game to be all smart contracts and trustless.
RE: Announcing the HBD Bonds Experiment | A three-month lockup for +10% premium on the HBD interest