This process takes 3.5 days and charges a 5% fee. This means that investors will get at least $0.95 for every HBD invested.

NOTE, people can actually make money by converting HBD to HIVE whenever the price of HBD is lower than $0.95.

It's hard to take stuff like this seriously when it is so blatantly wrong in places like this. There is no 5% fee in HBD conversions. It's 0%.

And the way Hive to HBD conversions work is totally different as there is no wait and the HDB is delivered immediately.

And then all this math assumes zero percent growth rate and 100% dumping.
And that USD doesn't go down in value.
Guy doesn't know how this stuff works.
At all.

If HE tokens weren't shit people would buy them.
If 20% gains a year is better than the token then it failed.