The 20% interest is extremely dangerous because it rewards HBD at a higher rate than HIVE.

How???

If anyone thinks it’ll serve them better to risk forgoing potential profit from hives volatility, governance, for 20% Apr? good for them, hbd is meant to be pegged and not volatile. To me it’s not smart to even think to attempt to convert all one’s hives to hbd for the sake of 20% Apr lol.