This sounds over complicated to me. I loved the simplicity of HBD savings … the more you invest in HBD , the more you earn, the longer you leave it invested, the more you earn. It’s called Compound Interest. It’s like Magic. We don’t need bonds or more second layer coins. Hive + Hive Power + HBD are enough. Hive should fix the Downvote abuse problem before it does anything else.