Basically, if Hive is going to do its part in the stablecoin markets, we are going to need a lot more HBD. This will be the foundation for not only payment systems but also derivatives, collateralization, and investing.

Do you know why there is a 5% fee tacked onto the conversion of Hive to HBD? Or can you point me to any documentation explaining it? Perhaps there is a technical reason why this fee exists? i've searched but haven't found anything.

This is certainly not helping the cause of having more HBD in savings or circulation...