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Ask the Hive: What kind of services/projects/businesses would you like to see more of with a stable HBD? by acidyo

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hive-173737 · @acidyo ·
$73.49
Ask the Hive: What kind of services/projects/businesses would you like to see more of with a stable HBD?
Having a stable dollar pegged coin that's not pegged by actual USD, IOU's or other valuable assets but one that algorithmically works like a debt to Hive and may finally be close to working as intended, it gives a lot of possibilities to using it more and for a lot of things. 

Aside from it earning interest that can be adjusted higher if the demand to buy HBD decreases if HBD is trading under $1 there are a lot of cool things one could start doing with HBD. I'm not even going to mention how important it's going to be for people who would like to remain anonymous and try and grow their stake by trading without having to rely on exchanges or giving them any info. This is something that's kind of undervalued, especially since Hive is a platform that can reward people for their time and contributions it's not difficult to foresee that there may be some people who'd start out from 0 and work their way toward a lot of stake by contributing to Hive in many ways and at the same time being able to trade Hive against a stable HBD which it in the past has failed to provide that security since it has pumped really high and at the same time dumped close to 0.5$ for a while during the bear market. Hopefully this time it will be a lot more stable and generate a lot more volume for this kind of activity.

With more volume, services and projects built around it and even merchants relying on using it on a daily basis instead of having to go through exchanges or other websites that offer direct trading but taking fees all along the way, I believe HBD is a very undervalued asset in terms of the usability it gives every Hive users. I'm of course not too technical and I don't mean to try and pretend to dive into that aspect in this post, but was mainly interested of what kind of ideas people could have on how to use HBD in the future if we think the peg will hold very tight and well after the changes in the hardfork allowing to convert hive into HBD as well which hasn't existed before. 

This post isn't aimed towards stealing your ideas either, so if you have some groundbreaking ones you've been meaning to pursue and start following the Hardfork feel free to not share it with everyone reading this, but for casual users who may have some ideas of what we could do with a stable HBD and all the opportunities it could open it would be interesting to discuss and wonder what the obstacles may be that could make it difficult to get it going. If anything maybe it could give some others some ideas to get it going as anything that works properly on Hive is something we all benefit from, and I'm sure that if the ideas are great it could even be something that the stakeholders could be interested in helping fund it through the DHF.

So, what would you like to see exist on Hive that would make use of a truly stable HBD?

___

_Half of the post rewards going to @hbdstabilizer for some last peg adjustments. :)_

https://images.hive.blog/0x0/https://files.peakd.com/file/peakd-hive/hiddenblade/i2W9CjnS-Acidyo.jpg
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vote details (922)
@blockchainyouth ·
$0.14
I am aiming to set to a music purchasing system, am currently working on a NFT based distribution one to combat the HBD volatility, but with HBD stable I could utilise my current base and offer something a lot more “user friendly” 😍
👍  
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vote details (1)
@buggedout ·
$0.72
I just want to see some real world commerce with HBD used as an actual currency.

If I could convince some vendors at the local farmers market to create a blog, advertise their produce on it and then sell me tomatoes or a cup of coffee using HBD, that would be awesome.

It doesn't sound like much, but THAT is a decentralized and localized economy that could easily explode toward mainstream adoption of crypto.....
👍  , ,
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vote details (3)
@xiko · 
It's great in theory, but in reality that only suits you. The farmer then needs to convince his suppliers to accept HBD or the college he wants to send his kid to.. to accept HBD... and so on ...

Which is why NO CRYPTO has become a standardized payment/currency system. The old way and the guardians of those payment systems don't see it wise to allow such a thing. For self preservation and dominance mainly.

Niches is the only stepping stone for these speculative currencies. In time humans then determine their viability.
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@buggedout ·
$0.39
Clearly, you do not understand what a localized economy is.  I live in a small town / village where trade amongst local businesses is valued and promoted.

The locals at the farmers market grow their own produce and....believe it or not....they eat food.  I'm not talking about a sophisticated supply chain or a complex economy here.  Many trade, or even barter, amongst themselves.
👍  
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vote details (1)
@dadspardan ·
$0.24
What i would like is a hive based streaming platform. Kind of like what dlive was meant to be. But a truly interactive system where the viewers are rewarded and therefore can reward the streamer.

And because hive is managed by the community it wouldn't be plagued with ads and no censorship that plagues most people. Just good and worthwhile content
👍  
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vote details (1)
@acidyo · 
There is vimm.tv and hopefully they'll continue to further develop and grow.
👍  
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vote details (1)
@denmarkguy ·
$0.47
I'll go back to something I suggested *"way back when"* and have been suggesting ever since: We need a peer-to-peer marketplace *(some combination of Craigslist/eBay/Poshmark etc.)* where people around the world can trade goods and services with each other *without the need to exit to fiat.* 

We keep talking about *"merchants need to accept Hive"* but that's really for down the road. First we have to create the *"example use case"* in which we have an actual crypto-based economic system, where I can sell a T-shirt, get paid in Hive/HBD, then turn around and buy vegetable seeds from a homesteader. 

The relevance of HBD as a stablecoin is that merchants are apprehensive about putting a t-shirt on sale for 20 Hive, when that can mean 10€ today. but might mean 20€ OR 5€ next week. You can't do business like that! But with a stablecoin, you *can* do business. 

The entire notion of crypto *currencies* was hijacked a long time ago by the *"when Lambo?"* high risk investor people; I think it is high time we got back to the idea of cryptos as a *payment system* that serves as an alternative to conventional finance.
👍  , ,
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vote details (3)
@eroche · 
The suggestion is good and would certainly drive adoption in my view. 

We also need a mechanism to get the flywheel going, scale is important and can't be overlooked as mentioned by many comments on this post.
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@wnfdiary ·
$0.02
But what is a stable coin? I have feeling hyperinflation is coming upon us. So 1000 HBD = $ 1000 = 1kg of bread
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vote details (2)
@diebitch ·
$0.14
1) Portfolio Management : For a lot of us who do not have time or in-depth knowledge, have reliable analysts from LeoFinance help with portfolio management in exchange for fixed HBD.
2) Have a shutterstock type platform for the photography community.

It's basically about having a stable income for your work.
👍  
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vote details (1)
@dudeontheweb ·
$0.24
I would just like to see HBD become the tipping token everyone uses to reward creators instead of relying so much on upvotes. But hey....a guy can dream. LOL
👍  
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vote details (1)
@xiko · 
The actual Hive token needs to be valued much higher in that case. Who here can be throwing around dollars as tips? It's why people make secondary tokens like wine, beer, love to give each other because they don't actually want to depart with their Hive.
👍  
👎  
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vote details (2)
@eroche ·
$0.17
In the past i have used it for paying people to do a design job for me,   and also for prize money for competitions.  

So facilitating commerce and stimulating engagement would be my two use cases.
👍  ,
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vote details (2)
@finguru ·
$0.32
I have a few random ideas which keep coming in my mind, so I am listing them down here: 

1. We can make a Fiverr-like platform that will allow as a marketplace for freelancers and businesses to meet.
2. Businesses can start accepting payments in Hive & HBD. One can buy & sell products & services using HBD. 
3. If the peg holds, I would prefer HBD over other centralized options like USDT and USDC. 
4. Payment app which will use HBD to send cross-border payments in 3s. It would convert your currency to HBD through an exchange and send your payment to any other  Hive account.
5. It can be used in DeFi Yield Farming since stablecoins are resistant to impermanent loss which happens due to price changes.
👍  , , ,
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vote details (4)
@blockchainyouth ·
$0.03
Hella cool idea! !LUV
👍  ,
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vote details (2)
@luvshares · 
Hi @finguru, you were just shared some LUV thanks to @blockchainyouth. Holding at least 10 LUV in your wallet enables you to give up to 3 LUV per day, for free. See the LUV in your wallet at https://hive-engine.com or learn about LUV at https://peakd.com/@luvshares https://ipfs.io/ipfs/QmUptF5k64xBvsQ9B6MjZo1dc2JwvXTWjWJAnyMCtWZxqM
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@gentleshaid ·
$0.25
Just answered something similar on twitter. I want to be able to pay for goods on ecommerce platforms. By ecommerce platform, I mean a platform big enough that will cover the entire regions of the world, not just Europe or a country. Also, a freelancing marketplace in the form of upwork/fiverr is long overdue and hbd being stable will make things easier. I know there something being developed along this line by hive hustler but I don't know the status quo with the project. Something that will scale needs to be developed along that line. Hive is filled with talents!
👍  ,
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vote details (2)
@lacking · 
Yes! Hive-Five(r) XD
properties (22)
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@gniksivart ·
$0.22
I would just like it to be accepted more and integrated more in various projects. Assuming the peg actually holds it’s a great way to take profit on the hive blockchain and would be a better way to pay for transactions on the platform as projects could have a more steady income. Would also be nice to see it as a base trading pair on hive engine or something similar. Having a leo hbd or eth hbd trading pair would be fun. Would also be nice to use for liquidity pools. I don’t know if this is answering your question but their would be a ton of uses for hbd if it did hold its peg.
👍  
properties (23)
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vote details (1)
@acidyo · 
I even mentioned it to @leofinance about cub, would be so cool for people to have hbd pegs there so they could both farm cub and collect interest as well on their HBD.
properties (22)
authoracidyo
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@gubbatv ·
$0.75
I've been trying to figure out what HBD is for a while now and so far have just converted it over into Hive. Is it suppose to be $1 USD or something else? 

If it's truly a stable coin and earning I think 3% right now that's pretty powerful. Banks don't pay nearly that in interest! Could be a awesome asset for Hive and I might start holding on more to the HBD.

As for projects I have to say I'm enjoying what you all have built here so far. NFTShowRoom is an amazing place to share and sell my NFTs. This is something I'm going to continue to purse. What I'd really like to see is a really good solid alternative to youtube where I can earn ad revenue from my videos. I haven't yet found a good platform for that yet.
👍  , , ,
properties (23)
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vote details (4)
@acidyo · 
Yeah it's supposed to be a stablecoin and will most likely function properly that way after conversion from hive->hbd in the next hardfork as only hbd->hive conversion has existed so far. 

That's a good point, tbh, we do have bigger content creators on Hive and it has also caused a ruckus some times when all they do is just cross-post their content onto Hive and receive a lot of autovotes but don't really engage in other ways or value Hive to give back to the platform in more ways. I think these people are used to adrevenue and think Hive works the same way, but matter of a fact is that we have yet to take advantage of advertisement money. @leofinance does this in a way, where they take the ad revenue and buy back their own token so all holders get rewarded for it long term but I would definitely like to see some more options to reward the content creators based on views and clicks and maybe even their readers. The BAT model could easily be implemented onto Hive front-ends, maybe @peakd has some plans to do something with this in the near future. It would be important for bigger content creators like yourself who get a lot of views but the revenue generated from just the Hive rewardpool may not be that great at these prices.
👍  
properties (23)
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vote details (1)
@blockchainyouth ·
$0.24
This sounds very interesting, as a creator who used to earn from ad revenue but now music royalties is meeting up to it - it could definitely inspire those to make the leap over to the platform. I have liked the community and platform for years so for me it is less about the rewards and more about sharing art and things but I can’t front and say that I’m earning anything near an income as of yet from it.

 but I can imagine those out there that are already struggling as a creative and earning NIL that need that do need that income so there is that factor too but HIVE is a perfect platform for this as a small time youtuber for example could make more from one post than they would from ad Rev from a video in a month so 📈❤️
👍  
properties (23)
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vote details (1)
@nonameslefttouse · (edited)
$0.28
When you're pricing your NFTs, that's in HIVE, correct?  Does the fluctuating token value create a bit of a headache?  As in *one day you're asking too much, then next you're ripping yourself off, but on the day of minting it was perfect.*  If it does cause a bit of a headache, would pricing using a stable HBD be like taking an Advil?
👍  ,
properties (23)
authornonameslefttouse
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vote details (2)
@blockchainyouth · 
Ahahaha 😭😭😭😭 this.
properties (22)
authorblockchainyouth
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categoryhive-173737
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@gubbatv ·
$0.62
It's been a bit of a pain as of late especially with more NFTs listed. The price swings of $0.20 doesn't seem like much but at hives price it's rather large percent wise. It's been a little wild the last few days. 
HBD stable coin if it's pegged to $1 would be nice.   
They also use Swap.Hive which adds another step complicating the buying process and I feel limits reach a good deal.  It's not easy for one of viewers to try and buy hive, go on hive engine, convert it to swap.hive and then order. Would like a simplified process if possible.
👍  , , ,
properties (23)
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vote details (4)
@guruvaj ·
$0.09
On a separate "Hive defi app" an interest earning by staking to the app, with higher apr and very lucrative referral earning system.
👍  
properties (23)
authorguruvaj
permlinkqtp0c2
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json_metadata{"app":"hiveblog/0.1"}
created2021-05-26 02:31:12
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vote details (1)
@hivebuzz · 
Congratulations @acidyo! You have completed the following achievement on the Hive blockchain and have been rewarded with new badge(s) :

<table><tr><td><img src="https://images.hive.blog/60x70/http://hivebuzz.me/@acidyo/upvoted.png?202105251814"></td><td>You received more than 1050000 upvotes.<br>Your next target is to reach 1060000 upvotes.</td></tr>
</table>

<sub>_You can view your badges on [your board](https://hivebuzz.me/@acidyo) and compare yourself to others in the [Ranking](https://hivebuzz.me/ranking)_</sub>
<sub>_If you no longer want to receive notifications, reply to this comment with the word_ `STOP`</sub>
properties (22)
authorhivebuzz
permlinkhivebuzz-notify-acidyo-20210525t184605000z
categoryhive-173737
json_metadata{"image":["http://hivebuzz.me/notify.t6.png"]}
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@jocieprosza ·
$0.19
Kickstarter. Period. Plain and simple.
👍  , , ,
properties (23)
authorjocieprosza
permlinkqtogoj
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json_metadata{"app":"hiveblog/0.1"}
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vote details (4)
@marian0 · (edited)
$0.29
I would like to use HBD to pay for freelance things like for example a banner, a logo, etc something like a Fivverr or and Etsy kinda thing but blockchain based and 10000 better and feeless outside from the nightmare that is mastercard and all the other creepy stuff, if anyone woud be interested in build something like this I would be very interested to exchange ideas for a dapp like this specially made for HBD.
👍  ,
properties (23)
authormarian0
permlinkqtor47
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created2021-05-25 23:12:12
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vote details (2)
@revo ·
$0.02
I've actually built this, and it was running back on the steem blockchain.  When the bear market hit and user activity dried up, I took it down.  I've redone it for Hive, and am just waiting for the right moment to release it again.  Not sure when that will be, as we are probably into the bear market now.
👍  , ,
properties (23)
authorrevo
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vote details (3)
@marian0 · 
It would be cool to remake it!
properties (22)
authormarian0
permlinkqtr5dd
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json_metadata{"app":"hiveblog/0.1"}
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@ocupation · (edited)
$0.41
We should implement CDPs on Hive. 

Allow users/investors to take a loan in HBD while putting their HIVE/ HP as collateral. It should bring a new dynamic to the system by theoretically allowing the participants to take the advantage of short-term market movements without a need to sell Hive in the first place. 

If we had such an option, a lot of HIve and Hivepower would be locked, shrinking the supply on the exchanges. 

We really need smart contracts where we can utilize the fact that we have free and fast transactions.
👍  
properties (23)
authorocupation
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last_payout2021-06-02 11:23:24
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total_payout_value0.202 HBD
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root_title"Ask the Hive: What kind of services/projects/businesses would you like to see more of with a stable HBD?"
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vote details (1)
@revo ·
$0.24
I've built a freelance services marketplace (was previously on steem as Steemtaskr), and am just waiting for the right moment to release it.  Going by some of the comments here it would be well received, but I worry in bear markets that user activity plummets.  It's why I pulled it off steem when the bear market took hold.
👍  
properties (23)
authorrevo
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vote details (1)
@therealflaws ·
$0.13
I just want to buy pizza using HBD, that's all I'd be happy with.
👍  ,
properties (23)
authortherealflaws
permlinkre-acidyo-qtohww
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vote details (2)
@tobetada ·
$0.13
I wonder if we can truly get a stable HBD. It would be cool, as you mentioned there are a lot of possibilities. But I think it's still going to require a lot of fine/hard tuning
👍  
properties (23)
authortobetada
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vote details (1)
@truthforce ·
$0.08
>With more volume, services and projects built around it and even merchants relying on using it on a daily basis instead of having to go through exchanges or other websites that offer direct trading but taking fees all along the way, I believe HBD is a very undervalued asset in terms of the usability it gives every Hive users.

There isn't enough HBD that exists for this to become a reality.

I have seen some say theres maybe 10 million HBD but coingecko has this. That isn't enough in circulation for exchanges to add it as a trade pairing. I'm talking about exchanges need hundreds of millions to billions of a stablecoin for it to be added to something like, SBD/LTC, SBD/DAI, SBD/USDT, SBD/Doge, SBD/UNI, SBD/blah blah

Yeah the exchanges  that have it in BTC/ a few fiat options because people just dump it.


![image.png](https://images.hive.blog/DQmTzfveT5Ae4nnzp1ocqjNtFmxEU22QAYpPpQg4yV3WFSq/image.png)


Hive is competing with projects that actually have their product put together well and it has tons of users.


![image.png](https://images.hive.blog/DQmdNzYRgekgwdycaRM5TjMD5Tg6iM7APmwRjxDCDCy9Qk6/image.png)

DAI being the obvious example here. To avoid the current high fees on Ethereum people can use sidechains or other chains. Right now DAI can be locked in on Binance Smart Chain and transactions on there cost about 20 cents usually. Polygon(MATIC) chain it costs like .00001 of a penny to do a transaction and you can use all of the stablecoins.

HBD is being propped up as something useful, it doesn't need to exist for the most part and should be done away with. It's a project that took 5+ years to get close to being a stablecoin and still isn't. Nobody is going to use it because the other projects are already so successful and fees are super cheap.

The DHF doesn't need HBD to be funded, we have Price Oracles that say what price Hive is already. I haven't seen any reason why we can't have the DHF paid out in liquid Hive based on the price of Hive at the time.

# Example:

Someone asks for 100 USD of funding per day.

Hive today is worth 50 cents, today their payout is 200 Hive.
Hive tomorrow is worth 49 cents, today their payout is 202 Hive. 

We also don't need an internal market for trading HBD to Hive either, that internal market is only useful because we have HBD, if we didn't have HBD at all there would be no point for it.

I would like to see HBD deleted so we can move on to what Hive is really about, decentralized apps/socialmedia/free speech/free transactions/etc. Having all this stuff about stablecoins takes the focus off of Hives Core value system, it will never be seen by the outside community as being a valuable stablecoin.

Exchanges won't have listing where HBD is the pairing except for dumping HBD for BTC. It's been 5 years of this.



https://ibb.co/kJZNPbP

https://ibb.co/Nnn69ry

Uploading images is having a problem for my last two so here is links to them.

The MAIN use SBD has is dumped sold for Korean Fiat, failed stablecoin.

The MAIN use HBD has is dumping for BTC or HIVE which are actually useful, failed stablecoin. If we start paying people in Hive for the DHF as mentioned above, and get rid of the internal market, we are left with a coin that is useless. Before the DHF is was almost 100% useless and people just selling for Fiat/Hive.
👍  , ,
properties (23)
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vote details (3)
@tobetada ·
$0.02
>HBD is being propped up as something useful, it doesn't need to exist for the most part and should be done away with. It's a project that took 5+ years to get close to being a stablecoin and still isn't.

That's because 99% of that time work wasn't done to improve it. HF25 is going to be the first overhaul in a long time
👍  ,
properties (23)
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vote details (2)
@truthforce · 
99 percent of statistics are made up on the spot.

Hand wave away my arguments I will do the same.
👍  
properties (23)
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vote details (1)
@urun ·
$0.19
Auto stable pool with the same mechanic as HBD stabilizer, with the different community, can stack funds.

Both ways of converting + auto compound profits or pay out.


Because in this way funds can stack unlimited compared to the HBD stabilizer and 1% dao and would generate a reason to cash out liquid hive from exchanges.
👍  
properties (23)
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vote details (1)
@victoriabsb ·
$0.18
back in the day there was this service for hosting your wordpress blog that you could pay with the old coin so people could use @exxp that would be could to have back, that way people could use more easily that pluggin
👍  
properties (23)
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vote details (1)
@acidyo · 
Interesting, hoping to see more progress of exxp soon, although I know @howo is super busy with everything Hive at the moment.
properties (22)
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@wnfdiary · 
Imagine HIVE MAGAZINE - it is a platform where you can make your own magazine. Design is similar to old-school newspaper and you put in your sections and articles. Now, how to do this. Every Hive content creator has its own key, and section different key example wnfdiary:hotel-review. When I make a new review my readers will get refreshed articles. That way you can support creators and newer miss a bit. You can make your own SPORT newspaper where every article is like you want it. This HIVE MAGAZINE has Ads and 80% of the revenue goes into the pool for creators (of course every article has an upvote button so you can tip your creator) 15% goes to devs and 5% to me for selling this idea ;) However, this would be the world's first truly independent newspaper. People who will write things about topics will come out and do that if they will be paid for that. I bet every journalist would love to write free from home and be its own publisher. AS extension it could be a cross-platform thing. You have in one newspaper articles from 5 different platforms. Your own article scraper in the app. There is also an option for locked articles (Like Patreon) only those who have a subscription for your article can see it. Subs are paid in HBD. 

To be honest, at first, I thought Steem/Hive will be something like this but it went from "journalism/writing/Great content" toward "meh I like you I will give you a huge upvote even if your photos are rubbish and there might be plagiarism." Back in time, I was frustrated about this, why some people are getting huge rewards every time. I was even tracking who are these accounts that are giving huge tips for literally selfies, but later I gave up on this.
properties (22)
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@xiko · 
Reading the comments looks like many think a FIVER type service should be the flagship project to see if HBD can have utility. 

I agree because as I said to EL GRINGO @smooth ... MARKETS is what this place needs in order to expand its reach and uptake of users. AND to get the crypto world to realize the technology here can be useful outside of just voting for mindless content.

The beauty of markets is that the actual content and activity doesn't need to bloat the chain. Only the transactions and records need to be onchain. Reading a post from @melbourneswest shows how that would look like:

![Screenshot_20210527-152657(1).png](https://files.peakd.com/file/peakd-hive/xiko/242YP4Y2Afj3HoFAnM5KABUwXRYNYP4hQmDxvggyb4naqUQ3dTbS1mbKDBxFBtZfLVM4Q.png)

While many people think web3.0 system MUST succeed by taking over the current systems, I see it more logically. That integrating this tech where it makes sense is how the future looks. It's never going to be "DECENTRALIZED MUST WIN" and all of us "early investors" of these infant systems are the champions of the future.

Anyway the other "GEM" that exist here is that the attention from Latin America is already acquired. And to that part of the world ONE UNITED STATES DOLLAR is a damn decent reward. So my suggestion is that this could be the base for building a market network that can maybe expand.

> DIFAD - Do It For A Dollar.
A poor man's FIVER.

Then as activity grows it could become more global with a tier system where you add multipliers that denote how many actual dollars the transaction/service/product carries.

And we all know that in crypto... people love multipliers! So for example DIFAD can facilitate services between artist already here on the chain, to create imagery for fantasy writers also already here in Hive. DIFAD can be the ACTUAL REWARD GIVEN to people promoting Hive on their twitter. Instead of a promise of poshtoken that may or may not ever have value or utility. 

So that's my vision: Dee FAD!
Might be just a fad or it might catch on.

Might even attract external audiences and networks that are already doing it for a few dollars. Like onlyfans for instance. To create such a system with crypto would be quite simple and likely very lucrative. I'm surprised Mark Cuban hasn't explored it. Since he is after all.. A SHARK!


![Screenshot_20210527-155342(1).png](https://files.peakd.com/file/peakd-hive/xiko/23xeznqaBAeJRQ5GGdQFCzkPFT9sKQaRFypguxahS1WNxu2ZEwuxfGsgLquoZoPdNBTDe.png)

Hey who knowns maybe you can get someone on twitter to post this to Cuban and they can DIFAD!

It's time for HIVE to leave these small confines, that echo nothing but self-deluded praise that this technology is superior. It's just not going to attract outside eyes if nothing has really developed in all these years.
properties (22)
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