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Proposal Index
Executive Brief — 3-paragraph overview (above)

One-Page Executive Summary — Key numbers, mechanism, carry trade, risk profile (above)

Core Protocol Design (Sections 1–4)

The Vision: Simplicity, Sustainability & Real-World Utility
1.1 HODL-Friendly Finance
1.2 The Three Pillars
1.3 Who HiveComunityBank Serves
1.4 Roadmap: From Proof of Concept to Community Scale ← Phase 2 criteria here
DHF Landscape & Strategic Assessment
2.1 The Market Gap
2.2 DHF Status (April 2026)
2.3 Proposal Submission Details
Why HiveComunityBank Is Different
3.1 Permanent Capital, Not a Sunk Cost
3.2 The Carry Trade That Benefits Borrowers
3.3 Deflationary Pressure on HIVE
3.4 Built on Confirmed Hive Ecosystem Infrastructure
Financial Mechanics: The Never-Spend HBD Model
4.1 Capital Structure
4.2 71-Day Financial Projections
4.3 Interest Rate Formula & Rationale
Lending & Operations (Sections 5–6)

Fee Structure & Lending Terms
5.1 The Single-Fee Philosophy
5.2 Borrower Tiers (Standard & Founding)
5.3 Current Rates at 15% Savings APR
5.4 Early Repayment & Interest Rebate
5.5 Collateral Powerdown: What Borrowers Must Know
5.6 Loan Maturity & Default ← dedicated default section
5.7 Complete Lending Terms Reference
Operational Parameters, Governance & Security
6.1 Pool Capital Structure
6.2 Account Custody & the Shared Active Key Model
6.3 The 3-Day Savings Security Window
6.4 Loan Disbursement Process
6.5 Borrower Confirmation Memo
6.6 Waitlist Protocol
6.7 Governance & Parameter Changes
6.8 Reporting Obligations
Trust & Risk Management (Sections 7–9)

Accountability, Transparency & Risk Mitigation
7.1 On-Chain Transparency
7.2 Risk Management Framework
7.3 Conservative Design Choices
Why Stakeholders Should Vote for HiveComunityBank
8.1 The Only DHF Proposal That Preserves Its Capital
8.2 Genuine Value for Large Stakeholders
8.3 Strengthens Infrastructure Voters Already Funded
8.4 Deflationary Pressure at Scale
8.5 A Fundamentally Different Risk Profile
Contingency Plan
Scenario 1: Full Funding (71 days)
Scenario 2: Partial Funding
Scenario 3: No Funding
Next Steps & Resources (Section 10 & Appendix)

Next Steps for Voters
Appendix: Protocol Accounts, Ecosystem Integrations, Glossary