If the Hive token is higher 3.5 days later you get more than 15%.

It conveniently ignores what I said in parentheses. And I am talking about proper savings, not some measly 100 HBD. When you have to sell 20K, 50K, or 100K worth of Hive in USD, it is going to get eaten by slippage.

It is basically a "guaranteed"*** 15% APR. You can fill in the asterisks.