That sort of makes sense, but realistically the peg support trade earns a lot more than the APR (although at slightly higher risk) so I think anyone yield sensitive is already not in HBD savings.

The major risk of lowering the APR is that the one account that dominates the savings decides it has become too low and dumps. Aside from that, I think that a lower HBD print rate should help Hive to stabilize and recover.

Thanks for your support in lowering your rate.