I am quite happy with the 20%. I am thinking about bringing fiat in I haven’t earmarked for investing in Hive just to earn the interest. I have a local bank that has a 4% APR on accounts up to 1k USD. Why should I leave it there if I can make five times that! I will have to plan it out so if I need cash the 3 day wait won’t screw up any plans. Good post, btw.