The 20% was to attract interest from outside investors, and it was kind of successful

The curve has flattened, and there's no marketing around it any more.

And what's more important, we're getting close to the debt limit. We just cannot sustain that growth of HBD supply, as long as HIVE price doesn't improve. We're already risking a HBD depeg if HIVE drops to somewhere around $0.20 now.

For these reasons, me and a lot of other witnesses have decided that the APR should slowly go down.