HBD Savings And Interests Analysis by arcange

View this thread on: hive.blog | peakd.com | ecency.com

proofofbrain · @arcange · Aug 3 '21 (edited)

$86.09

HBD Savings And Interests Analysis

![](https://i.imgur.com/gfw21f9.png)

The Hive blockchain is paying interests again for HBDs you hold, since witnesses raised the interest rate in March 2021. This interest was paid whether your HBDs were fully liquid or in your savings. A situation that particularly benefited the exchanges which received interest thanks to HBD deposited by their customers.

### A major change with the Hardfork 25 Equilibrium

As of June 30, when hardfork 25 was activated, the blockchain stopped paying interest for holding liquid HBD and switched to interest payments only for HBDs stored in savings.

Quickly after that, the witnesses raised the interest rate which is now 10%. 

For your information, the interest rate is evaluated by the blockchain on each block production round and is **the median value** of the rates proposed by the top 20 witnesses + 1 backup witness (you can see these values on [my witnesses page](https://hive.arcange.eu/witnesses)).

So even if you see values ranging from 5% to 12%, the value most suggested (by 11 of the top 20 witnesses in each round) is currently 10%. So much for the technical details.

As it has been more than a month since the changes took place, we finally have the necessary hindsight to analyze the changes that this has induced.

### Funds moved to savings

![](https://i.imgur.com/9uSwDBM.png)

The first direct effect of the announcement of that change coming with the HF25 (vertical red bar in the chart) is that many users have decided to move their HBD towards their savings in order to benefit from this generous interest rate.

We went from a stable 8,949 accounts storing HBD in their savings at the start of June to a raising 10,045 accounts on August 2.

At the same time, HBD capitalization stored in savings exploded from 59,713.583 HBD to **859,389.052 HBD**! It is clear that some have clearly understood their advantage in doing so.

### Intest paid

![](https://i.imgur.com/gepQcmb.png)

What this graph tells us is that the number of accounts earning interest has dropped sharply from around 250 per day to now vary between 12 and 38 accounts. 

As for the amount of interest paid, the change is difficult to observe as the amounts paid daily are currently small. Let's see this with a little more perspective:

![](https://i.imgur.com/2xqivwO.png)

Here we can see the big change, moving from 36,883 HBD interests paid to 7398 accounts in June against 1,696 HBD to 687 accounts in July.

All the interests that were previously paid to the exchanges (and the DHF) holding liquid HBD are now spared. That's approximately 35k HBD per month.

### Conclusion

We will see over the next few months whether this opportunity will be seized by more users and whether the numbers presented here will grow.

What is certain is that the combined factors of an attractive interest rate and the efforts of developers and witnesses for HBD to better hold the peg are starting to take effect.

I will continue to monitor it and keep you informed, so stay tuned.

---
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👍 trafalgar, smooth, alpha, acidyo, slobberchops, arcange, pfunk, tipu, ripperone, onealfa, traf, engrave, taskmaster4450, inertia, solarwarrior, geekgirl, fredrikaa, ecency, birdwatcher, laruche, jkramer, abh12345, demotruk, french-tech, florian-glechner, traciyork, penguinpablo, sandalphon, ewkaw, amico, raindrop, michealb, pishio, preparedwombat, cardtrader, taskmaster4450le, kenny-crane, ahmetay, tobetada, fengchao, kaerpediem, fjcalduch, johannpiber, teammo, matheusggr, pastzam, sanjeevm, lizanomadsoul, anadolu, onealfa.pob, kiel91, mintrawa, walterjay, aussieninja, goldkey, toofasteddie, alexanderfluke, fabio, ace108, softworld, genesishealthy, cst90, boatymcboatface, meanbees, and 409 others

`author`	arcange
`permlink`	hbd-interests-payout-analysis
`category`	proofofbrain
`json_metadata`	{"app":"peakd/2021.07.5","format":"markdown","tags":["proofofbrain","hbd","earn","money","neoxian","palnet","leofinance"],"users":["hive.engage","hivebuzz","hivesql","arcange","hive.autoclaim"],"image":["https://i.imgur.com/gfw21f9.png","https://i.imgur.com/9uSwDBM.png","https://i.imgur.com/gepQcmb.png","https://i.imgur.com/2xqivwO.png","https://i.imgur.com/GiNJqlm.png","https://i.imgur.com/B4UTun2.png","https://i.imgur.com/EPN8RW6.png","https://i.imgur.com/6TWeW7V.png","https://i.imgur.com/ih2pEOw.png","https://i.imgur.com/2bi4SnT.png"]}
`created`	2021-08-03 14:54:27
`last_update`	2021-08-03 15:06:30
`depth`	0
`children`	54
`last_payout`	2021-08-10 14:54:27
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	43.096 HBD
`curator_payout_value`	42.997 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	3,674
`author_reputation`	1,065,082,604,419,745
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,298,182
`net_rshares`	125,861,503,542,226
`author_curate_reward`	""

properties (23)vote details (473)

voter	rshares	pct
smooth	15,340,029,387,058	10%
alpha	11,981,189,840,405	20%
boatymcboatface	131,779,512,200	8%
pfunk	4,753,519,553,641	50%
modeprator	676,372,870	100%
pnc	0	100%
onealfa	2,483,821,787,093	31.28%
kingscrown	5,924,913,772	8%
acidyo	5,830,930,005,873	50%
theshell	35,332,792,493	8%
kenny-crane	365,799,733,563	50%
grandpere	32,675,522,362	100%
gerber	13,614,651,807	3%
good-karma	46,608,249,901	4.63%
ezzy	126,965,865	3%
fabio	146,313,324,905	10%
inertia	2,182,308,835,634	100%
arcange	5,495,400,595,356	100%
demotruk	934,085,969,550	100%
exyle	26,231,970,959	3%
sokoloffa	7,071,823,423	100%
ace108	139,790,910,000	4%
velourex	650,234,965	50%
jrcornel	9,290,180,510	100%
jsantana	1,688,348,949	30%
elguille	22,938,967,909	80%
stokjockey	3,331,206,339	100%
darkflame	50,038,294,576	100%
penguinpablo	501,947,638,341	10%
leoplaw	0	100%
abh12345	1,139,371,148,789	25%
funnyman	25,318,878,185	4%
vannour	94,131,629,420	50%
steemcultures	657,501,511	50%
steemworld	2,493,871,355	50%
keuudeip	13,747,132,105	25%
creat	721,353,315	50%
mapesa	987,892,766	25%
sqube	582,269,987	1%
ancolie	11,411,110,745	10.5%
vikthor	0	100%
orionvk	7,659,084,185	20%
cisah	711,560,301	50%
esteemapp	14,871,314,521	4.4%
ixindamix	47,786,228,190	60%
bigtakosensei	93,428,680,026	86%
walterjay	189,322,898,104	15%
dreemsteem	14,353,552,531	10%
pedir-museum	1,541,265,388	50%
soushi888	2,473,201,881	100%
aceh	788,749,526	50%
ripperone	2,639,795,138,005	40%
wandereronwheels	2,861,766,778	100%
privex	6,275,141,713	6%
assasin	6,408,085,704	28%
teammo	271,559,689,075	100%
trafalgar	27,871,053,088,522	78%
preparedwombat	381,060,125,230	42%
dickturpin	24,537,311,259	50%
lizanomadsoul	244,697,897,385	100%
pastzam	261,786,972,732	31%
raindrop	434,438,882,483	78%
munzir	802,915,738	50%
dune69	19,284,404,611	2.55%
lugaxker	1,084,680,991	22.27%
uadigger	87,994,868,025	100%
nenio	34,138,054,801	22%
iansart	6,122,433,458	3%
svinsent	19,719,112,193	33%
forykw	29,349,493,778	1.5%
ribalinux	78,165,457,045	100%
fredrikaa	1,525,843,486,348	100%
trumpikas	41,905,113,300	100%
nuagnorab	2,547,063,472	100%
handofzara	78,182,027,010	100%
ewkaw	462,060,539,669	30%
ew-and-patterns	32,981,726,771	3%
deanlogic	43,741,673,864	100%
joeyarnoldvn	2,675,872,841	8.28%
thegreens	1,105,555,525	6.25%
geekgirl	1,586,856,376,257	100%
mcoinz79	12,987,143,489	100%
toofasteddie	153,803,385,876	30%
st3llar	3,888,665,047	25%
summertooth	989,363,357	8.25%
eturnerx	23,280,306,330	0.6%
adambarratt	4,251,579,413	25%
dojeda	69,140,242,930	100%
goldkey	160,834,672,648	21%
unyimeetuk	4,628,161,953	50%
theguruasia	1,202,808,941	100%
sannur	1,971,354,137	100%
nicniezgrublem	1,067,685,623	100%
sheinthu	761,331,633	100%
shitsignals	1,405,204,636	3%
shebe	875,745,220	6%
wargof	1,215,918,721	65%
camomile	516,562,520	50%
sanjeevm	252,954,434,379	10%
bambukah	1,014,182,722	30%
pixelfan	44,098,586,143	6%
steemik	10,608,003,452	100%
francosteemvotes	37,571,793,472	100%
jasonbu	71,934,846,795	31.25%
oldman28	80,873,120,201	60%
fionasfavourites	79,943,354,107	50%
felander	14,047,082,317	3%
elenasteem	52,483,130,723	100%
crrdlx	2,079,293,449	100%
santigs	6,490,540,975	15%
nadhora	5,740,754,137	100%
tipu	4,490,253,745,841	20%
evildido	5,963,542,950	50%
aidefr	6,064,864,236	22.5%
yogacoach	2,770,559,901	3%
tomwafula	2,980,908,566	100%
taskmaster4450	2,229,495,651,568	100%
fatman	7,556,037,937	2%
pixresteemer	72,754,410,550	17%
revisesociology	59,258,679,646	5%
plantstoplanks	44,948,451,578	13.75%
sandalphon	466,786,626,117	100%
rodent	4,843,423,204	22.5%
happydolphin	15,870,140,502	11%
esteem.app	1,218,426,980	4.4%
investegg	23,152,832,894	0.6%
tobetada	347,477,229,898	15%
craigcryptoking	31,835,155,837	100%
florian-glechner	583,284,100,614	100%
joetunex	94,397,421,183	25%
noble-noah	13,706,409,199	100%
traciyork	568,667,447,397	55%
anadolu	224,124,178,844	20%
caladan	9,171,150,034	2.55%
baloox	868,059,372	15%
mtl1979	1,867,345,392	50%
emrebeyler	54,807,566,595	3%
afzalqamar	648,170,194	10%
dashroom	1,516,754,240	80%
jeffandhisguitar	2,000,711,199	4.64%
not-a-bird	4,914,442,983	20%
yazp	18,585,645,086	100%
traf	2,361,828,743,530	78%
ahmetay	364,752,684,739	52%
b00m	852,185,775	2.5%
sgt-dan	10,034,443,871	5%
tpkidkai	759,714,174	12.5%
fjcalduch	298,746,609,730	100%
robotics101	5,967,898,307	30%
lpv	1,939,312,179	5.62%
iptrucs	35,392,554,874	25%
statorcrime	735,666,594	15%
fherdz	10,293,779,004	100%
spiritabsolute	28,848,963,119	100%
cryptonized	60,847,282,657	10%
fourfourfun	8,020,633,214	25%
duke77	5,990,174,975	25%
artgirl	1,695,454,298	100%
aussieninja	164,356,270,169	100%
kaerpediem	314,900,554,879	100%
alexanderfluke	148,265,515,614	10%
branbello	1,330,612,894	5.1%
not-a-gamer	514,820,240	40%
gaborockstar	5,853,342,802	4.64%
gillianpearce	4,030,330,138	50%
matheusggr	270,025,965,097	100%
yusmi	791,683,773	1.39%
adventuroussoul	27,111,767,379	10%
tryskele	1,247,893,389	5%
coinmeria	720,842,435	35%
dragibusss	1,424,079,565	50%
jnmarteau	20,526,400,457	100%
philnewton	948,316,467	12.5%
gribouille	1,001,895,685	22.5%
operahoser	17,895,438,497	10%
tonysayers33	13,197,593,765	33%
minerspost	1,869,248,311	50%
d0zer	2,027,515,651	100%
pkocjan	1,380,937,617	2.4%
cst90	131,828,354,196	100%
ladysalsa	518,737,687	3%
freiheitsbote	2,741,239,170	100%
originalmrspice	1,133,242,045	4.64%
reazuliqbal	17,442,190,483	3%
erikah	63,732,458,992	5%
foxyspirit	794,989,391	13.75%
amico	452,282,886,318	30.13%
jeronimorubio	4,064,584,879	9.29%
scottshots	979,280,688	1.39%
bestboom	740,297,785	3%
onepercentbetter	13,530,124,873	10%
d00k13	1,223,950,567	9.29%
manniman	77,946,717,327	11%
stmdev	392,017,106	10%
jan23com	7,057,030,388	90%
jkramer	1,243,023,964,871	100%
mrchef111	73,052,690,833	50%
racibo	5,658,787,259	25%
ablaze	54,160,735,203	100%
freddio	36,708,239,959	15%
abdulmath	11,297,264,485	50%
illuminationst8	543,615,323	2.32%
memepress	1,584,882,563	50%
lartist-zen	1,820,382,220	100%
choco11oreo11	3,734,959,525	90%
imcore	1,024,526,772	10%
brainpod	513,388,653	25%
oscurity	2,230,840,848	2.5%
camuel	2,660,704,964	0.92%
meanbees	129,109,242,060	50%
stefannikolov	1,232,898,639	10%
glodniwiedzy	2,592,023,149	100%
friendsofgondor	57,904,890,989	16.25%
studio666	2,571,650,331	100%
opt2o	3,336,923,712	50%
steem.services	3,127,113,547	0.75%
slobberchops	5,682,482,113,897	100%
eii	4,212,012,662	10%
valentin86	1,796,031,400	100%
aliriera	76,494,578,308	100%
akdx	19,486,305,094	25%
angatt	3,546,983,333	50%
bilimkurgu	6,302,105,610	20%
onelovedtube	8,821,778,861	9.29%
oldmans	19,044,040,121	10%
worldwildflora	654,422,653	25%
solarwarrior	2,015,273,531,900	100%
merlion	639,257,682	10%
swisswitness	1,747,819,740	3%
imtase	70,724,480,123	100%
hakeke	420,403,593	100%
longer	1,556,845,231	5%
roger5120	33,624,908,196	10%
bingbabe	801,936,301	100%
qila	834,423,858	9.29%
vida-blanca	19,290,266,683	100%
emsonic	862,653,460	1.5%
ambiguity	4,668,727,778	25%
dash-embassy	5,722,644,321	100%
icepee	1,450,044,793	4.64%
adonisr	38,719,205,646	100%
thehive	109,999,829,003	65%
french-tech	586,688,364,778	100%
raiseup	973,994,448	10%
littleshadow	3,528,140,858	90%
luppers	9,407,180,166	12.5%
dlike	19,634,138,745	3%
clement.poiret	517,059,475	100%
ozeryilmaz	522,178,472	50%
joseph6232	1,360,945,952	90%
emaillisahere	7,358,233,865	75%
steemaction	1,661,464,470	10%
buzzbee	1,108,181,449	50%
ten-years-before	1,240,317,590	100%
engrave	2,315,292,701,102	100%
pboulet	36,615,308,733	30%
caoimhin	885,652,645	100%
djtrucker	618,696,198	75%
marshalmugi	31,884,896,329	85%
podg3	1,343,822,265	90%
silverkey	3,935,417,239	21%
silvervault	8,398,161,674	21%
cryptycoon	4,467,839,024	21%
cryptoclerk	3,983,571,175	19%
mister-meeseeks	21,457,978,552	25%
crypto.story	276,827,062	100%
sbi8	29,671,622,493	9.25%
misstaken	1,396,811,041	90%
stefano.massari	0	100%
univers.crypto	466,767,804	100%
mintrawa	193,696,760,852	100%
berthold	1,812,486,142	6%
merlin7	2,956,771,910	1.2%
besheda	440,889,277	10%
dallas27	12,271,571,750	50%
pauliinasoilu	577,265,645	4.64%
johannpiber	289,481,271,266	15%
deepsouthpiddlin	3,761,192,495	20%
followjohngalt	9,573,367,813	2.7%
michealb	433,021,745,443	100%
solarphasing	1,771,318,056	15%
jussbren	1,499,668,759	90%
cakemonster	1,792,886,111	1.5%
bgornicki	1,158,098,659	100%
misterengagement	2,644,937,483	22.5%
ohfiddlesticks	0	10%
gudnius.comics	6,652,831,792	100%
kiel91	198,785,225,018	80%
khan.dayyanz	2,356,134,335	5%
bluerobo	95,037,621,701	100%
thehealthylife	3,353,776,726	100%
charitycurator	1,662,080,309	12.5%
jacuzzi	11,448,418,137	15%
vaultec	26,838,067,670	100%
permaculturedude	1,239,290,616	3%
birdwatcher	1,377,584,230,001	30%
miguelmederico	14,562,911,202	40%
naythan	676,730,580	100%
hungrybear	394,757,532	10%
gunnarheilmann	16,860,110,658	100%
kryptogames	70,710,506,311	20%
mfblack	1,423,005,291	2.85%
azarmadr	21,114,947	100%
claudio83	32,829,012,208	100%
photographercr	18,934,453,568	10%
steementertainer	598,412,069	100%
haxxdump	117,586,218	10%
walterprofe	3,117,047,757	4.64%
nalexadre	703,234,407	100%
queengaga	1,085,919,407	25%
jalentakesphotos	1,593,730,319	10%
genesishealthy	133,703,296,116	100%
suigener1s	527,728,542	100%
milu-the-dog	1,238,118,416	3%
yeswecan	6,583,750,478	90%
shopinbit	1,763,828,870	100%
lrekt01	4,161,872,739	89%
triplea.bot	907,853,780	3%
steem.leo	19,339,971,505	3%
mindtrap-leo	587,528,063	25%
vxc.leo	60,278,830	12.5%
leoaction	290,403,239	100%
abh12345.battle	0	21.5%
ejmh	1,128,994,081	25%
abh12345.neox	84,718,772	22.5%
taskmaster4450le	369,346,255,874	25%
botante	437,585,417	0.45%
beta500	3,311,603,122	3%
revise.leo	4,833,127,291	100%
acta	518,088,680	100%
urun	79,667,412,608	100%
the-table	21,327,121,868	100%
cardtrader	375,850,445,234	86%
thehouse	1,927,399,607	90%
fixie	65,463,366,976	100%
bcm	1,740,141,887	15%
silverquest	116,510,755,089	90%
enison1	540,322,538	100%
gerbo	0	3%
javb	556,339,608	12.5%
lnakuma	3,480,831,328	25%
policewala	654,051,277	10%
yourtop3	2,201,315,583	27.5%
mintawa.app	494,100,408	100%
ribary	997,670,658	1.5%
toni.pal	0	3.25%
steempeer.app	281,766,540	100%
mice-k	767,891,317	3%
julesquirin	723,757,133	4%
oswvin01	465,265,542	100%
hive-134220	302,000,108	9.29%
dpend.active	602,076,925	0.6%
sgerhart	113,858,766,183	100%
fengchao	320,060,374,854	100%
hivebuzz	90,738,143,399	100%
blue-witness	56,496,820,925	100%
x9ed1732b	7,343,456,910	9%
laruche	1,342,761,925,198	30%
ykretz	6,172,161,605	15%
softworld	136,060,505,378	15%
polish.hive	4,238,404,498	3%
timhorton	8,723,883,746	100%
imfarhad	19,250,290,767	30%
babalor	5,419,047,318	100%
dcityrewards	103,897,115,170	3%
holoferncro	4,448,355,486	5%
hivelist	917,601,135	0.3%
ninnu	12,351,633,833	2.5%
ecency	1,415,879,932,628	4.26%
localgrower	423,080,647	12.5%
dealhunter	194,684,016	25%
ghaazi	2,488,641,919	50%
shani.leo	876,313,335	25%
hivecur	5,422,766,753	3%
ykroys	21,859,057,661	100%
chloe.citation	669,101,294	100%
comprendre.hive	1,218,971,375	30%
plusvault	2,031,584,956	100%
olaunlimited	1,981,256,270	35.1%
ecency.stats	1,159,782,514	4.4%
dayerlis	801,004,204	100%
deadswitch	901,492,101	25%
sevenoh-fiveoh	1,350,793,400	10%
liz.writes	949,793,902	50%
kat.eli	8,002,252,416	34.9%
leone.bianco	47,872,758,235	80%
senseiphil	65,627,420,863	50%
eddie-earner	4,584,277,204	25%
nolyoi	17,776,083,381	100%
emilycorvof	15,325,621,854	100%
curatorcat.leo	3,309,316,021	100%
dartodarmadi	0	100%
aiovo	9,475,641,198	100%
mismo	3,707,864,205	100%
kattycrochet	17,685,920,080	39%
dishant018	2,538,414,700	100%
tin.aung.soe	24,032,990,682	36%
brofund-stem	3,033,215,736	100%
edwing357	12,385,347,847	51%
pedrovivaz	56,097,441,474	100%
lbi-token	87,111,388,249	25%
jmsansan.leo	65,841,690	10%
dcrops	3,784,364,465	1.5%
slobberchops.leo	521,561,954	100%
esther-emmanuel	10,611,638,263	100%
susie-saver	23,107,224,007	100%
cranium.leo	47,113,534,148	100%
kenechukwu97	1,571,324,439	2%
hulualre	1,388,701,079	100%
larry21	2,549,544,364	10%
kriszrokk	0	100%
haitch	12,637,682,303	100%
tych021	29,624,859,185	100%
an-man	1,290,044,059	100%
thebeardflex	6,309,113,434	30.02%
bananass	35,211,264,409	20.33%
huzzah	1,402,135,654	7.5%
nitinfaujdar	2,819,841,379	50%
nanggroe1	14,403,772,772	25%
cvrle	5,654,265,567	100%
star.leo	684,270,907	25%
cowboyphylosophy	6,229,329,207	100%
nyxlabs	1,436,725,966	15.01%
brazilec	0	100%
rendrianarma	2,456,181,496	25%
viniciohleo	322,382,329	100%
gracielakuper	823,296,269	10%
alokkumar121.leo	6,050,773,970	100%
nave7	4,891,056,082	100%
leonordomonol	981,081,773	100%
leveluplifestyle	9,296,081,777	25%
sunsetjesus	3,697,853,449	10%
millsforever	923,083,659	100%
mcedric	53,783,986,987	100%
pastor-o-muppets	0	100%
edcraft	3,077,147,465	100%
stephytdh	7,895,614,426	100%
merit.ahama	5,455,374,568	50%
onealfa.pob	223,993,361,388	50%
scooter77.pob	464,192,262	75%
mattbrown.art	2,044,295,163	20%
anyboadas	3,410,226,022	100%
mamakyaw	420,173,021	100%
dibblers.dabs	7,008,150,869	15%
merwinrod	732,104,578	60%
kamran059	0	100%
gogododo	1,089,318,410	50%
catgod	849,928,437	100%
biggerjoe	3,615,886,282	1.5%
iodacasamia	16,086,175,906	100%
veselusha79	669,781,370	50%
itsmiessyonpeakd	27,113,874	100%
bbqgriffinwings	4,128,937,750	1.5%
platypus-dundee	322,911,117	100%
janetfund	2,851,706,929	10%
asad06	1,695,940,139	100%
jocieprosza.leo	1,029,146,568	25%
gwyddpel	2,619,463,817	100%
pishio	394,099,457,741	10.3%
xp16x10expoct21	2,005,471,373	36%
yems	3,071,420,338	50.4%
sppriya	0	100%
triloswc	1,250,226,749	70%
mgmgthae	683,075,847	100%
kajal482	0	100%
leopuma.spt	468,513,535	5%
rkps	0	100%
srt1	0	0%
heidegger245	157,827,613	100%
farok5	7,439,816,482	100%
pavle44	0	100%
syazaaulia	0	100%
awarcryripened	0	100%

@acidyo · Aug 3 '21

$0.14

1M HBD in savings soon!

👍 pfunk, arcange

`author`	acidyo
`permlink`	re-arcange-qx9voc
`category`	proofofbrain
`json_metadata`	{"tags":["proofofbrain"],"app":"peakd/2021.07.5"}
`created`	2021-08-03 16:41:00
`last_update`	2021-08-03 16:41:00
`depth`	1
`children`	4
`last_payout`	2021-08-10 16:41:00
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.072 HBD
`curator_payout_value`	0.072 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	24
`author_reputation`	2,616,694,627,565,910
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,300,271
`net_rshares`	214,390,899,638
`author_curate_reward`	""

properties (23)vote details (2)

voter	weight	wgt%	rshares	pct	time
pfunk	0 B		188,196,769,770	2%
arcange	0 B		26,194,129,868	0.5%

@arcange · Aug 3 '21

And 2M later... 🤑<div class="pull-right"><a href="/@hive.engage">![](https://i.imgur.com/XsrNmcl.png)</a></div>

properties (22)

`author`	arcange
`permlink`	re-re-arcange-qx9voc
`category`	proofofbrain
`json_metadata`	{"app":"engage"}
`created`	2021-08-03 21:03:27
`last_update`	2021-08-03 21:03:27
`depth`	2
`children`	0
`last_payout`	2021-08-10 21:03:27
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	111
`author_reputation`	1,065,082,604,419,745
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,304,286
`net_rshares`	0

@beerlover · Aug 4 '21

<div class='pull-right'>https://files.peakd.com/file/peakd-hive/beerlover/yiuU6bdf-beerlover20gives20BEER.gif<p><sup><a href='https://hive-engine.com/?p=market&t=BEER'>View or trade </a> <code>BEER</code>.</sup></p></div><center><br> <p>Hey @acidyo, here is a little bit of <code>BEER</code> from @globetrottergcc for you. Enjoy it!</p> <p>Learn how to <a href='https://peakd.com/beer/@beerlover/what-is-proof-of-stake-with-beer'>earn <b>FREE BEER</b> each day </a> by staking your <code>BEER</code>.</p> </center><div></div>

properties (22)

`author`	beerlover
`permlink`	re-acidyo-re-arcange-qx9voc-20210804t075015399z
`category`	proofofbrain
`json_metadata`	{"app":"beerlover/2.0"}
`created`	2021-08-04 07:50:18
`last_update`	2021-08-04 07:50:18
`depth`	2
`children`	0
`last_payout`	2021-08-11 07:50:18
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	526
`author_reputation`	24,786,123,064,090
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,313,065
`net_rshares`	0

@globetrottergcc · Aug 4 '21

!BEER !PIZZA

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@globetrottergcc/re-acidyo-2jwf29)

properties (22)

`author`	globetrottergcc
`permlink`	re-acidyo-2jwf29
`category`	proofofbrain
`json_metadata`	{"app":"leofinance/0.2","format":"markdown","tags":["proofofbrain","leofinance","hive-167922"],"canonical_url":"https://leofinance.io/@globetrottergcc/re-acidyo-2jwf29"}
`created`	2021-08-04 07:49:03
`last_update`	2021-08-04 07:49:03
`depth`	2
`children`	1
`last_payout`	2021-08-11 07:49:03
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	112
`author_reputation`	133,992,955,405,504
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,313,046
`net_rshares`	0

@pizzabot · Aug 4 '21

<div class='pull-right'><center><sup>Connect</sup></center><p><a href="https://discord.gg/Q9bQAKpWGS"><img src="https://files.peakd.com/file/peakd-hive/pizzabot/AKF96fKjnX3wjXERHcKAFHaoHnfTVhXqPjXVz8E1Th9nPiJqmFtaycosVpPBZ7z.png"></a></p></div><div class='pull-right'><center><sup>Trade</sup></center><p><a href='https://hive-engine.com/?p=market&t=PIZZA'><img src="https://files.peakd.com/file/peakd-hive/pizzabot/23sxbi2M4UjELDzQjxPdzubdgfMjHTCtA1xueyxmnhJUrB8136VyK3pqynyWYiZYF9HrC.png"></a></p></div><center><br> <p>@acidyo! I sent you a slice of <strong><em>$PIZZA</em></strong> on behalf of @globetrottergcc.</p> <p>Learn more about <strong><em>$PIZZA Token</em></strong> at <a href="https://hive.pizza">hive.pizza</a> <sub>(2/20)</sub></p> </center><div></div>

properties (22)

`author`	pizzabot
`permlink`	re-re-acidyo-2jwf29-20210804t084551z
`category`	proofofbrain
`json_metadata`	"{"app": "beem/0.24.26"}"
`created`	2021-08-04 08:45:51
`last_update`	2021-08-04 08:45:51
`depth`	3
`children`	0
`last_payout`	2021-08-11 08:45:51
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	767
`author_reputation`	6,179,210,152,503
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,313,693
`net_rshares`	0

@aiovo · Aug 5 '21

I just moved some hbd to savings account

properties (22)

`author`	aiovo
`permlink`	re-arcange-202186t33434873z
`category`	proofofbrain
`json_metadata`	{"tags":["proofofbrain","hbd","earn","money","neoxian","palnet","leofinance"],"app":"ecency/3.0.20-mobile","format":"markdown+html"}
`created`	2021-08-05 22:34:36
`last_update`	2021-08-05 22:34:36
`depth`	1
`children`	0
`last_payout`	2021-08-12 22:34:36
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	40
`author_reputation`	15,891,884,044,421
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,347,947
`net_rshares`	0

@anyboadas · Aug 6 '21

Interesting information, thanks for sharing, I will be attentive, greetings.

properties (22)

`author`	anyboadas
`permlink`	re-arcange-qxegg3
`category`	proofofbrain
`json_metadata`	{"tags":["proofofbrain"],"app":"peakd/2021.07.5"}
`created`	2021-08-06 04:00:36
`last_update`	2021-08-06 04:00:36
`depth`	1
`children`	1
`last_payout`	2021-08-13 04:00:36
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	76
`author_reputation`	3,703,326,664,661
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,353,013
`net_rshares`	0

@arcange · Aug 10 '21

Thank you @anyboadas<div class="pull-right"><a href="/@hive.engage">![](https://i.imgur.com/XsrNmcl.png)</a></div>

properties (22)

`author`	arcange
`permlink`	re-re-arcange-qxegg3
`category`	proofofbrain
`json_metadata`	{"app":"engage"}
`created`	2021-08-10 14:18:21
`last_update`	2021-08-10 14:18:21
`depth`	2
`children`	0
`last_payout`	2021-08-17 14:18:21
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	114
`author_reputation`	1,065,082,604,419,745
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,440,986
`net_rshares`	0

@artgirl · Aug 3 '21

$1.04

Hmmm. So I guess I should finally use the savings feature here.

👍 smooth, sunsetjesus

`author`	artgirl
`permlink`	re-arcange-202184t14934627z
`category`	proofofbrain
`json_metadata`	{"tags":["proofofbrain","hbd","earn","money","neoxian","palnet","leofinance"],"app":"ecency/3.0.20-mobile","format":"markdown+html"}
`created`	2021-08-03 17:49:36
`last_update`	2021-08-03 17:49:36
`depth`	1
`children`	1
`last_payout`	2021-08-10 17:49:36
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.522 HBD
`curator_payout_value`	0.522 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	63
`author_reputation`	70,608,151,340,729
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,301,375
`net_rshares`	1,531,295,102,947
`author_curate_reward`	""

properties (23)vote details (2)

voter	weight	wgt%	rshares	pct	time
smooth	0 B		1,530,971,046,526	1%
sunsetjesus	0 B		324,056,421	1%

@arcange · Aug 3 '21

Sure thing @artgirl<div class="pull-right"><a href="/@hive.engage">![](https://i.imgur.com/XsrNmcl.png)</a></div>

properties (22)

`author`	arcange
`permlink`	re-re-arcange-202184t14934627z
`category`	proofofbrain
`json_metadata`	{"app":"engage"}
`created`	2021-08-03 21:04:12
`last_update`	2021-08-03 21:04:12
`depth`	2
`children`	0
`last_payout`	2021-08-10 21:04:12
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	113
`author_reputation`	1,065,082,604,419,745
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,304,306
`net_rshares`	0

@beerlover · Aug 3 '21

<div class='pull-right'>https://files.peakd.com/file/peakd-hive/beerlover/yiuU6bdf-beerlover20gives20BEER.gif<p><sup><a href='https://hive-engine.com/?p=market&t=BEER'>View or trade </a> <code>BEER</code>.</sup></p></div><center><br> <p>Hey @arcange, here is a little bit of <code>BEER</code> from @pixresteemer for you. Enjoy it!</p> <p>Learn how to <a href='https://peakd.com/beer/@beerlover/what-is-proof-of-stake-with-beer'>earn <b>FREE BEER</b> each day </a> by staking your <code>BEER</code>.</p> </center><div></div>

properties (22)

`author`	beerlover
`permlink`	re-arcange-hbd-interests-payout-analysis-20210803t150745316z
`category`	proofofbrain
`json_metadata`	{"app":"beerlover/2.0"}
`created`	2021-08-03 15:07:48
`last_update`	2021-08-03 15:07:48
`depth`	1
`children`	0
`last_payout`	2021-08-10 15:07:48
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	524
`author_reputation`	24,786,123,064,090
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,298,483
`net_rshares`	0

@beerlover · Aug 4 '21

<div class='pull-right'>https://files.peakd.com/file/peakd-hive/beerlover/yiuU6bdf-beerlover20gives20BEER.gif<p><sup><a href='https://hive-engine.com/?p=market&t=BEER'>View or trade </a> <code>BEER</code>.</sup></p></div><center><br> <p>Hey @arcange, here is a little bit of <code>BEER</code> from @globetrottergcc for you. Enjoy it!</p> <p>Do you want to <a href='https://friends.beersaturday.com/'>win <b>SOME BEER</b> together with your friends </a> and draw the <code>BEERKING</code>.</p> </center><div></div>

properties (22)

`author`	beerlover
`permlink`	re-arcange-hbd-interests-payout-analysis-20210804t074933445z
`category`	proofofbrain
`json_metadata`	{"app":"beerlover/2.0"}
`created`	2021-08-04 07:49:36
`last_update`	2021-08-04 07:49:36
`depth`	1
`children`	0
`last_payout`	2021-08-11 07:49:36
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	514
`author_reputation`	24,786,123,064,090
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,313,055
`net_rshares`	0

@beerlover · Aug 8 '21

<div class='pull-right'>https://files.peakd.com/file/peakd-hive/beerlover/yiuU6bdf-beerlover20gives20BEER.gif<p><sup><a href='https://hive-engine.com/?p=market&t=BEER'>View or trade </a> <code>BEER</code>.</sup></p></div><center><br> <p>Hey @arcange, here is a little bit of <code>BEER</code> from @eii for you. Enjoy it!</p> <p>Learn how to <a href='https://peakd.com/beer/@beerlover/what-is-proof-of-stake-with-beer'>earn <b>FREE BEER</b> each day </a> by staking your <code>BEER</code>.</p> </center><div></div>

properties (22)

`author`	beerlover
`permlink`	re-arcange-hbd-interests-payout-analysis-20210808t074054393z
`category`	proofofbrain
`json_metadata`	{"app":"beerlover/2.0"}
`created`	2021-08-08 07:40:57
`last_update`	2021-08-08 07:40:57
`depth`	1
`children`	0
`last_payout`	2021-08-15 07:40:57
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	515
`author_reputation`	24,786,123,064,090
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,395,976
`net_rshares`	0

@binkyprod · Sep 24 '21

Over how much time does the APR grow? Is it per month? Per year?

properties (22)

`author`	binkyprod
`permlink`	qzxvbp
`category`	proofofbrain
`json_metadata`	{"app":"hiveblog/0.1"}
`created`	2021-09-24 12:43:03
`last_update`	2021-09-24 12:43:03
`depth`	1
`children`	1
`last_payout`	2021-10-01 12:43:03
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	64
`author_reputation`	103,994,393,290,019
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	106,527,737
`net_rshares`	0

@arcange · Sep 25 '21

Tha APR is per year, but interest is paid every 30 days<div class="pull-right"><a href="/@hive.engage">![](https://i.imgur.com/XsrNmcl.png)</a></div>

properties (22)

`author`	arcange
`permlink`	re-qzxvbp
`category`	proofofbrain
`json_metadata`	{"app":"engage"}
`created`	2021-09-25 20:09:12
`last_update`	2021-09-25 20:09:12
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@claudio83 · Aug 3 '21

@tipu curate

👍 arcange

`author`	claudio83
`permlink`	re-arcange-qx9s4r
`category`	proofofbrain
`json_metadata`	{"tags":["proofofbrain"],"app":"peakd/2021.07.5"}
`created`	2021-08-03 15:24:27
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`post_id`	105,298,817
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`author_curate_reward`	""

properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
arcange	0 B		26,192,389,380	0.5%

@arcange · Aug 3 '21

Thank you @claudio83<div class="pull-right"><a href="/@hive.engage">![](https://i.imgur.com/XsrNmcl.png)</a></div>

properties (22)

`author`	arcange
`permlink`	re-re-arcange-qx9s4r
`category`	proofofbrain
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`created`	2021-08-03 21:01:24
`last_update`	2021-08-03 21:01:24
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@tipu · Aug 3 '21

<a href="https://tipu.online/hive_curator?claudio83" target="_blank">Upvoted  &#128076;</a> (Mana: 9/89) <a href="https://peakd.com/hive/@reward.app/reward-app-quick-guide-updated" target="_blank">Liquid rewards</a>.

properties (22)

`author`	tipu
`permlink`	re-re-arcange-qx9s4r-20210803t152427z
`category`	proofofbrain
`json_metadata`	"{"app": "beem/0.24.26"}"
`created`	2021-08-03 15:24:33
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`body_length`	216
`author_reputation`	55,212,751,469,040
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`net_rshares`	0

@darkflame · Aug 10 '21

Thank you for this analysis and I am very interested to see the results of the change. I am accumulating More Hive dollars.

properties (22)

`author`	darkflame
`permlink`	re-arcange-qxlked
`category`	proofofbrain
`json_metadata`	{"tags":["proofofbrain"],"app":"peakd/2021.07.5"}
`created`	2021-08-10 00:08:42
`last_update`	2021-08-10 00:08:42
`depth`	1
`children`	0
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@diamondcare · Aug 4 '21

I have really learnt a lot from this post.

👎 spaminator

`author`	diamondcare
`permlink`	re-arcange-qxatns
`category`	proofofbrain
`json_metadata`	{"tags":["proofofbrain"],"app":"peakd/2021.07.5"}
`created`	2021-08-04 04:55:09
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properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
spaminator	0 B		-10,280,128,145	-0.5%

@ecency · Aug 3 '21

Your content has been **voted** as a part of [Encouragement program](https://ecency.com/ecency/@good-karma/encouragement-program-continues-82eafcd10a299). Keep up the good work! <br><br>Use Ecency daily to boost your growth on platform! <br><br><b>Support Ecency</b><br>[Vote for Proposal](https://hivesigner.com/sign/update-proposal-votes?proposal_ids=%5B141%5D&approve=true)<br>[Delegate HP and earn more](https://ecency.com/hive-125125/@ecency/daily-100-curation-rewards)

properties (22)

`author`	ecency
`permlink`	re-202183t145812324z
`category`	proofofbrain
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`created`	2021-08-03 14:58:12
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@eii · Aug 8 '21

!LUV
!PIZZA
!BEER

properties (22)

`author`	eii
`permlink`	re-arcange-qxifya
`category`	proofofbrain
`json_metadata`	{"tags":["proofofbrain"],"app":"peakd/2021.07.5"}
`created`	2021-08-08 07:39:48
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`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
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@luvshares · Aug 8 '21

<div class='pull-right'><center><sup><small><small><><</small></small></a></sup></center>
    <p><a href="https://ichthys.netlify.app" style="text-decoration:none"><><</a></p></div>
    
<div class='pull-right'><center><sup>LUV</sup></center>
    <p><a href="https://peakd.com/@luvshares"><img src="https://files.peakd.com/file/peakd-hive/crrdlx/AKU7oyCXxGwYyudB42kJ7JtoZ63bdeHvm4icoT9xdGNxA4i4BwudGyPvTQrEwPd.gif"></a></p></div>
    
<div class='pull-right'><center><sup>Connect</sup></center>
    <p><a href="https://discord.gg/K5GvNhcPqR"><img src="https://files.peakd.com/file/peakd-hive/crrdlx/23wfrFwbW2VmsmZxJXyNEKYXt8mvmEP5zenbPZFX5T6yxcF65vCp7RbNpNhLgFZiM62G1.png"></a></p></div>
    
<div class='pull-right'><center><sup>Trade</sup></center>
    <p><a href='https://tribaldex.com/trade/LUV'><img src="https://files.peakd.com/file/peakd-hive/crrdlx/AKJ1ytK1G4qgB6fMNY9iW9yL1E7bY4ooefHFwtMVKoKnyXG1EsjxrcrTFGFAbhw.png"></a></p></div>
    
<center><br> <p>@arcange, you've been given LUV from @eii.</p> <p>Check the LUV in your H-E <a href="https://hive-engine.com/">wallet</a>. <sub>(1/10)</sub></p> </center><div></div>

properties (22)

`author`	luvshares
`permlink`	re-re-arcange-qxifya-20210808t074050z
`category`	proofofbrain
`json_metadata`	"{"app": "beem/0.24.26"}"
`created`	2021-08-08 07:40:51
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@pizzabot · Aug 8 '21

<div class='pull-right'><center><sup>Connect</sup></center><p><a href="https://discord.gg/Q9bQAKpWGS"><img src="https://files.peakd.com/file/peakd-hive/pizzabot/AKF96fKjnX3wjXERHcKAFHaoHnfTVhXqPjXVz8E1Th9nPiJqmFtaycosVpPBZ7z.png"></a></p></div><div class='pull-right'><center><sup>Trade</sup></center><p><a href='https://hive-engine.com/?p=market&t=PIZZA'><img src="https://files.peakd.com/file/peakd-hive/pizzabot/23sxbi2M4UjELDzQjxPdzubdgfMjHTCtA1xueyxmnhJUrB8136VyK3pqynyWYiZYF9HrC.png"></a></p></div><center><br> <p>@arcange! I sent you a slice of <strong><em>$PIZZA</em></strong> on behalf of @eii.</p> <p>Learn more about <strong><em>$PIZZA Token</em></strong> at <a href="https://hive.pizza">hive.pizza</a> <sub>(1/10)</sub></p> </center><div></div>

properties (22)

`author`	pizzabot
`permlink`	re-re-arcange-qxifya-20210808t074050z
`category`	proofofbrain
`json_metadata`	"{"app": "beem/0.24.26"}"
`created`	2021-08-08 07:40:51
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`depth`	2
`children`	0
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`root_title`	"HBD Savings And Interests Analysis"
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`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,395,974
`net_rshares`	0

@florian-glechner · Aug 4 '21

Interesting feature. 10% interest on a "stable" coin is not bad.

properties (22)

`author`	florian-glechner
`permlink`	re-arcange-qxbvo0
`category`	proofofbrain
`json_metadata`	{"tags":["proofofbrain"],"app":"peakd/2021.07.5"}
`created`	2021-08-04 18:36:00
`last_update`	2021-08-04 18:36:00
`depth`	1
`children`	0
`last_payout`	2021-08-11 18:36:00
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`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,322,635
`net_rshares`	0

@gillianpearce · Aug 3 '21

Where can we view our interest payments? Should they show in the hive blog wallet?

I've moved all my HBD to savings but I'm wondering if it's too small an amount to show up as interest.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@gillianpearce/re-arcange-6k7nd4)

👍 d-zero

`author`	gillianpearce
`permlink`	re-arcange-6k7nd4
`category`	proofofbrain
`json_metadata`	{"app":"leofinance/0.2","format":"markdown","tags":["proofofbrain","leofinance","hive-167922"],"canonical_url":"https://leofinance.io/@gillianpearce/re-arcange-6k7nd4"}
`created`	2021-08-03 17:53:36
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properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
d-zero	0 B		0	10.2%

@arcange · Aug 3 '21

Yes, they should appear in your wallet. If you use Peakd, you can filter it to display Rewards / Interest only.<div class="pull-right"><a href="/@hive.engage">![](https://i.imgur.com/XsrNmcl.png)</a></div>

👍 gillianpearce

`author`	arcange
`permlink`	re-re-arcange-6k7nd4
`category`	proofofbrain
`json_metadata`	{"app":"engage"}
`created`	2021-08-03 21:12:21
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`root_title`	"HBD Savings And Interests Analysis"
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properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
gillianpearce	0 B		1,454,196,433	21%

@gillianpearce · Aug 4 '21

>If you use Peakd, you can filter it to display Rewards / Interest only.

Thanks. That's handy to know! &#128522;

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@gillianpearce/re-arcange-5crzzl)

properties (22)

`author`	gillianpearce
`permlink`	re-arcange-5crzzl
`category`	proofofbrain
`json_metadata`	{"app":"leofinance/0.2","format":"markdown","tags":["proofofbrain","leofinance","hive-167922"],"canonical_url":"https://leofinance.io/@gillianpearce/re-arcange-5crzzl"}
`created`	2021-08-04 21:33:36
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`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
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@smooth · Aug 3 '21

$0.02

Interest payment occurs when you make a change to your savings balance at least 30 days after your last interest payment.

👍 dustbunny, gillianpearce

`author`	smooth
`permlink`	qxac2f
`category`	proofofbrain
`json_metadata`	{"app":"hiveblog/0.1"}
`created`	2021-08-03 22:35:06
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properties (23)vote details (2)

voter	weight	wgt%	rshares	pct	time
gillianpearce	0 B		1,396,913,403	20%
dustbunny	0 B		36,921,119,643	8.67%

@gillianpearce · Aug 4 '21

Thanks for the info. It's quite a long wait then. &#128513;

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@gillianpearce/re-smooth-4tzxpu)

properties (22)

`author`	gillianpearce
`permlink`	re-smooth-4tzxpu
`category`	proofofbrain
`json_metadata`	{"app":"leofinance/0.2","format":"markdown","tags":["proofofbrain","leofinance","hive-167922"],"canonical_url":"https://leofinance.io/@gillianpearce/re-smooth-4tzxpu"}
`created`	2021-08-04 21:31:33
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`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
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@globetrottergcc · Aug 4 '21

!LUV !BEER !PIZZA

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@globetrottergcc/re-arcange-5nx4rc)

properties (22)

`author`	globetrottergcc
`permlink`	re-arcange-5nx4rc
`category`	proofofbrain
`json_metadata`	{"app":"leofinance/0.2","format":"markdown","tags":["proofofbrain","leofinance","hive-167922"],"canonical_url":"https://leofinance.io/@globetrottergcc/re-arcange-5nx4rc"}
`created`	2021-08-04 07:48:33
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`total_payout_value`	0.000 HBD
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`body_length`	118
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`root_title`	"HBD Savings And Interests Analysis"
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`post_id`	105,313,036
`net_rshares`	0

@luvshares · Aug 4 '21

<div class='pull-right'><center><sup><a href="https://ichthys.netlify.app"><><</a></sup></center>
<p></p></div>

<div class='pull-right'><center><sup>LUV</sup></center>
<p><a href="https://peakd.com/@luvshares"><img src="https://files.peakd.com/file/peakd-hive/crrdlx/AKU7oyCXxGwYyudB42kJ7JtoZ63bdeHvm4icoT9xdGNxA4i4BwudGyPvTQrEwPd.gif"></a></p></div>

<div class='pull-right'><center><sup>Connect</sup></center>
<p><a href="https://discord.gg/K5GvNhcPqR"><img src="https://files.peakd.com/file/peakd-hive/crrdlx/23wfrFwbW2VmsmZxJXyNEKYXt8mvmEP5zenbPZFX5T6yxcF65vCp7RbNpNhLgFZiM62G1.png"></a></p></div>

<div class='pull-right'><center><sup>Trade</sup></center><p><a href='https://tribaldex.com/trade/LUV'><img src="https://files.peakd.com/file/peakd-hive/crrdlx/AKJ1ytK1G4qgB6fMNY9iW9yL1E7bY4ooefHFwtMVKoKnyXG1EsjxrcrTFGFAbhw.png"></a></p></div>

<center><br> <p>@arcange, you've been given LUV from @globetrottergcc.</p> <p>Check the LUV in your H-E <a href="https://hive-engine.com/">wallet</a>. <sub>(1/1)</sub></p> </center><div></div>

properties (22)

`author`	luvshares
`permlink`	re-re-arcange-5nx4rc-20210804t124841z
`category`	proofofbrain
`json_metadata`	"{"app": "beem/0.24.26"}"
`created`	2021-08-04 12:48:42
`last_update`	2021-08-04 12:48:42
`depth`	2
`children`	0
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`cashout_time`	1969-12-31 23:59:59
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`body_length`	1,040
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`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
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`percent_hbd`	10,000
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`net_rshares`	0

@pizzabot · Aug 4 '21

<div class='pull-right'><center><sup>Connect</sup></center><p><a href="https://discord.gg/Q9bQAKpWGS"><img src="https://files.peakd.com/file/peakd-hive/pizzabot/AKF96fKjnX3wjXERHcKAFHaoHnfTVhXqPjXVz8E1Th9nPiJqmFtaycosVpPBZ7z.png"></a></p></div><div class='pull-right'><center><sup>Trade</sup></center><p><a href='https://hive-engine.com/?p=market&t=PIZZA'><img src="https://files.peakd.com/file/peakd-hive/pizzabot/23sxbi2M4UjELDzQjxPdzubdgfMjHTCtA1xueyxmnhJUrB8136VyK3pqynyWYiZYF9HrC.png"></a></p></div><center><br> <p>@arcange! I sent you a slice of <strong><em>$PIZZA</em></strong> on behalf of @globetrottergcc.</p> <p>Learn more about <strong><em>$PIZZA Token</em></strong> at <a href="https://hive.pizza">hive.pizza</a> <sub>(1/20)</sub></p> </center><div></div>

properties (22)

`author`	pizzabot
`permlink`	re-re-arcange-5nx4rc-20210804t084542z
`category`	proofofbrain
`json_metadata`	"{"app": "beem/0.24.26"}"
`created`	2021-08-04 08:45:42
`last_update`	2021-08-04 08:45:42
`depth`	2
`children`	0
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`cashout_time`	1969-12-31 23:59:59
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`body_length`	768
`author_reputation`	6,179,210,152,503
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,313,691
`net_rshares`	0

@nenio · Aug 3 '21

I would like to know when the interests of the HBD in savings are paid into the account.

properties (22)

`author`	nenio
`permlink`	qxa2fs
`category`	proofofbrain
`json_metadata`	{"app":"hiveblog/0.1"}
`created`	2021-08-03 19:07:06
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`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
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@arcange · Aug 3 '21

They are automatically paid after 30 days when your savings balance change. 
TIP: You can trigger it by transferring 0.001 HBD to your savings.<div class="pull-right"><a href="/@hive.engage">![](https://i.imgur.com/XsrNmcl.png)</a></div>

properties (22)

`author`	arcange
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`post_id`	105,304,378
`net_rshares`	0

@nenio · Aug 3 '21

Thank you for the information.

properties (22)

`author`	nenio
`permlink`	qxabc0
`category`	proofofbrain
`json_metadata`	{"app":"hiveblog/0.1"}
`created`	2021-08-03 22:19:15
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`author_reputation`	197,840,849,645,196
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,305,798
`net_rshares`	0

@smooth · Aug 3 '21

Or withdraw 0.001 from savings if you don't have any more HBD to transfer in.

properties (22)

`author`	smooth
`permlink`	qxac4h
`category`	proofofbrain
`json_metadata`	{"app":"hiveblog/0.1"}
`created`	2021-08-03 22:36:18
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`total_payout_value`	0.000 HBD
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`body_length`	77
`author_reputation`	245,194,432,541,145
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,306,395
`net_rshares`	0

@niallon11 · Aug 4 '21

I have a reason to use savings now. There was never one before.
At 10% I can use it to hedge against the volatility of the hive price and buy hbd when we are up to store at a profit until the price drops again and can buy back more.

Win win.

properties (22)

`author`	niallon11
`permlink`	re-arcange-qxazpy
`category`	proofofbrain
`json_metadata`	{"tags":["proofofbrain"],"app":"peakd/2021.07.5"}
`created`	2021-08-04 07:06:03
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@oswvin01 · Aug 3 '21

I just voted for you as a friend, you deserve it



---

<center><sub>Posted via [proofofbrain.io](https://www.proofofbrain.io/@oswvin01/qx9vtu)</sub></center>

👍 d-zero

`author`	oswvin01
`permlink`	qx9vtu
`category`	proofofbrain
`json_metadata`	{"app":"proofofbrain/0.1","canonical_url":"https://www.proofofbrain.io/@oswvin01/qx9vtu"}
`created`	2021-08-03 16:44:27
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`root_title`	"HBD Savings And Interests Analysis"
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`author_curate_reward`	""

properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
d-zero	0 B		0	10.2%

@arcange · Aug 3 '21

Thank you @oswvin01<div class="pull-right"><a href="/@hive.engage">![](https://i.imgur.com/XsrNmcl.png)</a></div>

properties (22)

`author`	arcange
`permlink`	re-qx9vtu
`category`	proofofbrain
`json_metadata`	{"app":"engage"}
`created`	2021-08-03 21:03:45
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`depth`	2
`children`	0
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`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
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`body_length`	113
`author_reputation`	1,065,082,604,419,745
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,304,295
`net_rshares`	0

@pixresteemer · Aug 3 '21

<center>![pixresteemer_incognito_angel_mini.png](https://files.peakd.com/file/peakd-hive/pixresteemer/8h7BBw1w-pixresteemer_incognito_angel_mini.png)</center><center>Bang, I did it again... I just rehived your post!</center><center>Week 68 of my [contest](/hive-179017/@pixresteemer/the-re-hive-contest-results-week-67-and-start-week-68) just started...you can now check the winners of the previous week!</center><center>!BEER</center><center><sub>1</sub></center>

properties (22)

@poshtoken · Aug 4 '21 (edited)

https://twitter.com/TheArcange/status/1422576791500296194
https://twitter.com/taskmaster4450/status/1422583094423572488
https://twitter.com/hive_blockchain/status/1422817174868086786
<sub> The rewards earned on this comment will go directly to the person sharing the post on Twitter as long as they are registered with @poshtoken. Sign up at https://hiveposh.com.</sub>

properties (22)

@pvmihalache · Aug 13 '21

Never considered earning HBD but now I may move to a 50% 50% Hive and HBD

properties (22)

@arcange · Aug 15 '21

Could be a good move 👍<div class="pull-right"><a href="/@hive.engage">![](https://i.imgur.com/XsrNmcl.png)</a></div>

properties (22)

@pvmihalache · Aug 15 '21

starting now

properties (22)

2 replies

@sanjeevm · Aug 7 '21

$0.91

Few Questions : 
- Is the interest paid a monthly interest of 10% or annual, but paid monthly ? 
- Do we need to stake the interest again ? or its compounded automatically in savings ?
- If compounded, then does the calculation takes care of using the compounded amount for the next interest ? 

Any post that has all the details ?

👍 gungunkrishu, d-zero, awarcryripened

properties (23)vote details (3)

@arcange · Aug 10 '21

$0.77

> Is the interest paid a monthly interest of 10% or annual, but paid monthly ?

The (current) 10% rate is annual but paid every 30 days, so your savings will increase by (savings_hbd_balance * APR) /12 every 30 days.
Be aware that you have to "manually" claim your interests by having your savings balance changed.

> Do we need to stake the interest again ? or its compounded automatically in savings ?

They automatically go to your savings

> if compounded, then does the calculation takes care of using the compounded amount for the next interest ?

Yes, they do.<div class="pull-right"><a href="/@hive.engage">![](https://i.imgur.com/XsrNmcl.png)</a></div>

👍 sanjeevm, d-zero, neophyte142068

properties (23)vote details (3)

@sanjeevm · Aug 10 '21

Should be a safe heaven for investment then.

👍 d-zero

properties (23)vote details (1)

@stefano.massari · Aug 3 '21

This post is very interesting!  thank you for explaining a little more about the HF25.  I too have put HBDs in the "savings" section ... I had never done that before.



---

<center><sub>Posted via [proofofbrain.io](https://www.proofofbrain.io/@stefano.massari/qx9z1s)</sub></center>

properties (22)

@arcange · Aug 3 '21

$0.06

> I had never done that before.

As with everything, the first time is often a bit scary ... but then you can't do without it.<div class="pull-right"><a href="/@hive.engage">![](https://i.imgur.com/XsrNmcl.png)</a></div>

👍 stefano.massari

properties (23)vote details (1)

@theguruasia · Aug 4 '21

$WINE

properties (22)

@wine.bot · Aug 4 '21

<center>
<sup>Congratulations, @theguruasia You Successfully Shared <b>0.400</b> <b>WINE</b> With @arcange.</sup>
<sup>You Earned <b>0.400</b> <b>WINE</b> As Curation Reward.</sup>
<sup>You Utilized <b>4/5</b> Successful Calls.</sup>

<img src="https://images.hive.blog/DQmcvnJL2ZB48usaghCU7UC8iHgN5VLQNiaLPr7mo6fCB45/wine.png" alt="wine_logo">

---
<sup>Contact Us : [WINE Token Discord Channel](https://discord.gg/rS3KzjJDCx)</sup>
<sup>[WINE Current Market Price](https://hive-engine.com/?p=market&t=WINE) : <b>0.270</b></sup>
</center>

properties (22)

`author`	pvmihalache
`permlink`	qxr7h5
`category`	proofofbrain
`json_metadata`	{"app":"hiveblog/0.1"}
`created`	2021-08-13 01:15:06
`last_update`	2021-08-13 01:15:06
`depth`	1
`children`	4
`last_payout`	2021-08-20 01:15:06
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
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`pending_payout_value`	0.000 HBD
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`body_length`	73
`author_reputation`	190,460,669,811,971
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
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`percent_hbd`	0
`post_id`	105,496,081
`net_rshares`	0

voter	rshares	pct
d-zero	6,650,521,912	10.2%
gungunkrishu	1,266,212,091,088	100%
awarcryripened	0	100%

voter	rshares	pct
sanjeevm	1,038,000,557,014	40%
d-zero	6,677,823,728	10.2%
neophyte142068	0	100%

`author`	wine.bot
`permlink`	20210804t020844755z
`category`	proofofbrain
`json_metadata`	{"tags":["wine","token","winebot"],"app":"wine-bot/4.0","format":"markdown"}
`created`	2021-08-04 02:08:45
`last_update`	2021-08-04 02:08:45
`depth`	2
`children`	0
`last_payout`	2021-08-11 02:08:45
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
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`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	551
`author_reputation`	2,788,780,938,053
`root_title`	"HBD Savings And Interests Analysis"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	105,309,489
`net_rshares`	0