I'm one of the lovers of the 20% HBD savings rewards for users on this platform. It benefits us, users, who want to take advantage of that lucrative offer. It's totally different to find an entity in the world that can offer a guaranteed 20% return on your investment in a year. Plus the fact that you can withdraw it anytime, just there's a 3-day withdrawal period to prevent huge losses when your keys get compromised.

I believe a lot has taken advantage of this ever since the 20% is implemented. Imagine your $1000 could generate $200 in a year without doing anything. You just have to sit it in your wallet and wait every month to receive the dividends. How great is it?

Should we keep it Juicy?

But every good deal comes with a consequence. If you look at other DeFi projects or anything that offers that kind of staking rewards, especially the fact that this is a stable coin pegged at $1. Other tokens can offer you greater APR, but the tokens are not $ pegged so there might be really a chance the price of the token would drop.

This is good for us but will be a death spiral in the future. If we recall, HBD is a $1 worth of Hive debt. One HBD is equivalent to $1 worth of Hive and at the current price, 1 HBD cost 2.5 Hive. If we keep on giving HBDs, we're giving more and more Hive in an easy way.

So I think, that juicy offer should be lowered, say 15%. I think there will come a time when they will eventually lower the %. It wouldn't be economically wise to keep it for a long time. I'm no statistician though but it's difficult to offer 20% for a long-time.

These are just my personal opinion. This is also not backed by deep research. This is just speculation from a general perspective. Feel free to correct me if in case there's already been a deep dive on this. But I do think I make sense.