Thanks, interestingly I commented on that one 2 months ago!

I think three things could help for HBD:

1. set interest rate based on hive price. As hive goes down, hbd interest goes down, as hive rises, hbd interest rate rises, in a perfect world, this minimizes hive inflation, and reduces attractiveness of hbd when hive price is weak, helping alleviate a self reinforcing downward price movement in hive. And as hive rises above some level, hbd interest rate rises, this slows hive price rise. This would help long term in my opinion.

Hive between 0.10 and 0.50 usd 5% apr on hbd
Hive between 0.50 and 1.00 usd 10% apr on hbd
Hive between 1.00 and 2.00 usd 15% apr on hbd
Hive between 2.00 and 5.00 usd 20% apr on hbd

1. Change hbd savings into a CD (certificate of deposit) like concept. To obtain the above aprs one must lock their hbd for at least 1 month initially, then can withdraw that individual hbd after 1 month, so if I had 100 hbd in the savings cd for a month, then today add 100 hbd. I can withdraw 100 hbd today and 7 days from now, when the 100 from today is time unlocked, that can be withdrawn.

Give the option to lock the HBD for longer time periods to earn multiples of the current APR, and have that payout locked in like an individual contract. So if I lock my hbd for 1 yr, perhaps I get a 10 or 20% bonus to my APR.

1. A new way to facilitate the hbd market, new frontend for trading and treasury services. A lending market for hbd like hive power has. A way for individuals and businesses to come and seek HBD loans from other individuals, microlending basically.

!PGM

!LOLZ