HBD Transfers To Savings | Data by date and users by dalz

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hive-167922 · @dalz · Jul 14 '21 (edited)

$43.05

HBD Transfers To Savings | Data by date and users

The latest Hardfork has introduced interest on HBD but only if it is transferred in the savings account. The interest on the HBD was always an option as it is a parameter set by the witnesses. Witnesses have introduced interest before the HF but it was applied to all the HBD holders, including the exchanges.

With the latest changes, only HBD that is in the savings is receiving interest. The withdrawal from the savings account is three days, that is a reasonable period. It’s like staking with three days unlocking period.

![01.png](https://images.hive.blog/DQmXf2HfUzJ8eykH2xVSj1BttrSnFqkfTYcGZRo2EErgodQ/01.png)

When the interest on HBD was first set by the witnesses a few months back, it was only 3%. Now it is 7% with more witnesses setting it up to 10% or even 12%. You can see what the interest rate is set by the witnesses here https://peakd.com/me/witnesses.

At the moment of writing this there is different interest set by the top 20 witnesses. Half of them, or 10 witnesses have 7%, 6 have 10%, 3 have 12% and one have set interest of 5%. Not totally sure what is the final % under these conditions, but Peakd is showing 7%.

-----

Now lets take a look at the data and see how much HBD has been transferred to savings and who is taking advantage of the HBD interest rate.

**The period that we will be looking at is January 1st, 2021 to July 12, 2021** , with focus on the latest period after the Hardfork was introduced, July 30, 2021.

We will be looking at the following:
- Daily transfers to savings
- Monthly transfers to savings
- Top accounts that made the transfers

# Daily HBD Transfers To Savings
Here is the chart for the daily HBD transfers to savings.

![02.png](https://images.hive.blog/DQmfHM2WwU3SFhojg916CmCfjkmBtR2JTqRvtwnwAuwcpPY/02.png)

As we can see in the chart, prior to June 2021, transfers to savings were almost non existent with few spikes. Then in June prior to the hardfork HBD started to be transferred to the savings accounts. There was few big spikes with more than 100k moved in a day, and the trend continued in the first days of July.

The **monthly** chart looks like this.

![03.png](https://images.hive.blog/DQmVj66VjXj7DLUhsrL8nEW2ZoGZmKuXXuLRhh3jkGSznBX/03.png)

*Note that July is not over yet and the bar will be higher at the end of the month.*

A total of **350k** HBD was transferred to savings account in June and almost **400k** in the first days of July, resulting in almost 800k HBD moved to savings since the hardfork. At this rate there will be one million in the savings accounts soon.

There is a total of 10M HBD supply at the moment, out of which 4.5M HBD in the dev fund, meaning 5.5M HBD in circulation. 3.7M HBD is in the exchanges wallet, that leave us with 1.8M HBD in users account. This means that 800k out of the 1.8M, or almost 50% of the HBD in users accounts was moved to savings in this short period.

I expect the trend to continue in the next months and more HBD to be moved to savings. Will update the data in the next period to see how things are going.

# Top Accounts That Transferred HBD To Savings
Who has transferred the most funds to savings? Here is the chart.

![04.png](https://images.hive.blog/DQmbyVhxK7LxHoBpkphvz8Si7a4ZRJGGoUbGrVJ9Hr6EagU/04.png)

The @mika account is dominant here with almost **600k** HBD moved to savings. Next is @fullalt.dhf with 33k, and then @alpha. The numbers goes down fast and the no.15 on the list has around 2k HBD.

----

Overall quite an impressive start for the HBD savings with almost 1M HBD now in these accounts earing interest on HBD. These numbers are still relatively low compared to the big defi stablecoins farms, meaning that there is a lot of room for growth. HBD is more stable now, but still needs to prove itself. If in the next period HBD keeps it peg relatively close to the dollar it can grow even more. Off course the marketcap of HIVE in general needs to increase as there is a limit of HBD printing as 10% debt. If there is demand for HBD that will push the price of HIVE as well.

All the best
@dalz

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@dalz/hbd-transfers-to-savings-or-data-by-date-and-users)

👍 jphamer1, znnuksfe, trostparadox, buildawhale, dhimmel, acidyo, pouchon, themarkymark, stayoutoftherz, unpopular, solarwarrior, jongolson, empoderat, redes, trumpman, holger80, nathanmars, spectrumecons, chronocrypto, asgarth, darthknight, jarvie, steemychicken1, ausbitbank, steembasicincome, dalz, smjn, taskmaster4450le, themightyvolcano, softworld, penguinpablo, captainhive, amico, holybread, hebrew, marcocasario, hive.curation, preparedwombat, bala41288, accelerator, kytka, sharpshot, simplifylife, daveks, glastar, dylanhobalart, anadolu, build-it, balina, kristall97, hivecur, dcityrewards, dkid14, xyba.pob, harkar, lbi-token, hatoto, steliosfan, diabonua, helengutier2, enforcer48, gadrian, costanza, sgerhart, and 507 others

`author`	dalz
`permlink`	hbd-transfers-to-savings-or-data-by-date-and-users
`category`	hive-167922
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`created`	2021-07-14 20:31:45
`last_update`	2021-07-14 21:14:51
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`last_payout`	2021-07-21 20:31:45
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	21.560 HBD
`curator_payout_value`	21.488 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	4,210
`author_reputation`	1,284,972,683,396,356
`root_title`	"HBD Transfers To Savings \| Data by date and users"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	104,920,549
`net_rshares`	95,875,693,649,706
`author_curate_reward`	""

properties (23)vote details (571)

voter	rshares	pct
steemychicken1	812,449,144,091	50%
acidyo	3,599,476,922,549	40%
mangou007	238,776,467	8.57%
gerber	23,859,904,833	5.4%
ezzy	1,051,241,321	5.4%
ausbitbank	804,624,215,708	50%
arcange	97,803,170,802	2%
exyle	47,051,927,844	5.4%
alz190	758,632,641	20%
raphaelle	1,252,645,676	2%
jphamer1	10,116,908,891,953	100%
shanghaipreneur	83,056,274,281	100%
scaredycatguide	37,239,883,586	90%
bert0	780,934,596	8.57%
daveks	249,793,706,829	6%
penguinpablo	531,288,899,305	10%
discernente	14,191,866,625	100%
stanislav1	1,719,146,958	100%
planosdeunacasa	9,706,211,908	100%
r0nd0n	114,271,806,513	50%
dylanhobalart	237,083,293,969	100%
gamer00	4,942,039,021	0.64%
osmi	2,915,403,318	100%
redes	1,890,490,166,813	28%
walterjay	3,387,052,167	0.35%
udeesther	0	100%
steemitboard	8,173,939,814	2%
ambyr00	9,298,059,727	6.25%
hebrew	445,467,431,768	50%
pouchon	3,451,697,823,265	100%
wihol89	691,672,405	50%
dhimmel	6,947,974,286,975	100%
preparedwombat	367,604,313,450	42%
dune69	37,886,562,541	4.86%
bearbear613	64,347,644,606	100%
iansart	10,909,751,384	5.4%
swelker101	9,473,485,616	45%
rycharde	570,808,807	10%
trumpman	1,685,787,719,231	50%
spectrumecons	1,211,935,191,181	23%
ew-and-patterns	28,305,768,239	3%
techken	30,446,133,781	45%
joeyarnoldvn	699,575,160	2.28%
thegreens	1,793,148,907	10%
ruth-girl	89,824,228,281	25%
forexbrokr	45,326,546,116	100%
apoloo1	5,830,515,272	50%
kiokizz	576,526,261	65%
adambarratt	10,509,297,381	40%
captainquack22	81,921,427,969	100%
jacekw	75,702,434,300	100%
goldkey	111,316,615,001	14%
approximate	940,912,592	65%
allcapsonezero	86,980,542,392	100%
bluemoon	55,498,521,520	20%
shitsignals	2,573,031,962	5.4%
themarkymark	3,136,817,755,228	10%
stayoutoftherz	2,564,703,523,097	50%
nathanmars	1,374,445,355,635	100%
dine77	18,712,941,719	15%
dineroconopcion	9,354,100,100	100%
fatherfaith	560,989,096	10%
zonabitcoin	9,531,108,101	100%
djkrad	5,254,455,068	100%
joseforo	885,290,125	100%
kiobot	833,970,857	65%
jeanlucsr	918,876,476	0.54%
schubes	1,502,520,511	95%
sevillaespino	5,088,725,246	100%
nortjenn	628,934,809	85.5%
valchiz	1,602,256,745	30%
costanza	116,402,811,931	40%
elprutest	1,075,914,941	100%
felander	26,045,865,060	5.4%
santigs	9,518,479,504	15%
itzunknown	1,087,426,110	100%
alexanderlara	6,611,642,413	100%
aballarde53	2,035,367,844	100%
alejandroortega	955,699,220	100%
crokkon	53,837,344,817	100%
accelerator	314,767,786,142	20%
buildawhale	6,974,927,356,222	10%
yogacoach	4,977,267,217	5.4%
robertoueti	922,817,645	100%
simplifylife	263,036,241,323	100%
fatman	7,046,494,306	2%
suffragator	1,488,271,545	100%
sharpshot	281,371,645,026	40%
rodent	7,584,122,611	36%
makerhacks	34,641,475,362	10%
jondoe	588,880,077	100%
gypsyfortune	2,139,608,863	100%
vegoutt-travel	18,848,875,201	23%
noble-noah	28,484,178,975	100%
anadolu	228,527,408,886	30%
caladan	17,333,629,522	4.86%
dkid14	165,877,180,596	100%
tradingideas	1,273,234,142	100%
coyotelation	51,439,066,240	50%
diverse	247,249,510	100%
emrebeyler	96,016,468,875	5.4%
kph	1,535,548,956	40%
dashroom	1,547,590,475	80%
kaniz	4,976,314,837	100%
not-a-bird	4,861,241,825	20%
awaischuchi	140,655,795	100%
hendersonp	9,097,063,861	100%
mytechtrail	89,199,407,241	25%
dgcarlosleon	1,586,817,100	100%
ubikalo	5,883,702,190	100%
sgt-dan	8,028,163,939	4%
tpkidkai	1,255,164,605	20%
balina	204,149,184,841	100%
wild.nature	885,120,375	100%
rezoanulvibes	31,442,820,296	100%
funt33	823,696,520	100%
afril	628,919,418	50%
gamezine	1,099,128,191	26%
sneakyninja	1,540,972,954	2.59%
howiemac	19,945,966,695	100%
steembasicincome	686,464,808,533	12.97%
hungryhustle	1,681,882,009	50%
danieelab	821,026,194	100%
cryptonized	61,020,889,136	10%
candyboy	853,167,880	100%
upmyvote	6,827,602,328	10%
juecoree	39,989,451,557	100%
jewel-lover	1,684,392,051	100%
stupid	2,165,259,537	100%
hayirhah	564,121,387	22.5%
jongolson	2,170,115,945,402	100%
not-a-gamer	519,601,717	40%
gillianpearce	2,625,790,146	31%
bengy	715,958,565	1%
smjn	625,326,373,888	100%
znnuksfe	10,006,174,888,960	100%
bala41288	357,414,694,512	50%
leslierevales	5,322,520,233	50%
culgin	20,519,173,617	30%
fullcoverbetting	54,545,090,979	50%
jarvie	887,454,126,875	50%
videosteemit	54,113,840,341	100%
investyourvote	4,917,628,931	10%
chronocrypto	1,103,171,829,979	50%
fractal-team	1,043,393,912	100%
jazzhero	1,136,511,361	3%
sportfrei	13,745,774,411	20%
holger80	1,536,127,873,351	50%
letshodl	783,259,892	100%
fantasycrypto	110,009,449,481	100%
shmoogleosukami	26,391,096,487	12%
unconditionalove	558,774,954	2.7%
bibiuz	1,396,427,321	100%
bet1x2	739,080,407	100%
moeenali	6,577,809,927	1%
pkocjan	2,603,739,767	4.32%
anikys3reasure	892,136,631	6.48%
asgarth	1,087,866,125,419	50%
bozz	22,709,107,662	3%
fsegredo1	6,313,521,061	100%
citimillz	73,352,860,791	100%
yann03	732,819,325	100%
movement19	1,122,637,007	2.5%
ladysalsa	981,520,414	5.4%
arac	718,432,330	100%
russellstockley	16,347,625,988	25%
futurecurrency	39,525,922,798	61%
jglake	5,238,092,330	20%
watchlist	399,901,497	100%
reazuliqbal	29,804,434,858	5.4%
henlicps	4,423,375,903	100%
kryptik.tigrrr3d	25,083,789,922	100%
yusrizakaria	5,403,811,067	90%
gabob25	1,588,364,673	100%
amico	480,377,011,485	29.36%
bestboom	1,354,641,096	5.4%
onepercentbetter	13,219,336,693	10%
adamada	13,633,556,434	3%
knowhow92	29,786,813,282	50%
juanmanuellopez1	21,854,638,587	100%
freddio	42,820,453,911	15%
blainjones	1,175,350,079	0.5%
abdulmath	9,975,211,031	50%
gadrian	118,305,643,581	70%
chuuuckie	1,518,685,160	1.5%
themightyvolcano	552,256,997,740	100%
iseeyouvee	6,439,579,233	100%
laloretoyya	25,437,288,790	100%
rollandthomas	2,589,717,289	2%
tresor	10,534,808,601	8.57%
kgakakillerg	66,341,338,025	25%
andrewharland	1,489,887,754	6.48%
oscurity	1,413,587,647	2%
ifunnymemes	574,669,870	50%
enm1	26,806,344,354	100%
tronsformer	1,036,068,994	30%
steem.services	5,634,678,746	1.35%
hatoto	146,879,313,204	40%
diabonua	140,613,729,079	100%
kadoshmenorah	19,504,783,090	100%
davidesimoncini	5,621,632,135	26.8%
enforcer48	123,168,300,183	15%
bilimkurgu	7,451,801,244	30%
therabbitzone	704,390,082	50%
oldmans	16,034,144,622	10%
steliosfan	145,934,524,060	100%
solarwarrior	2,182,723,316,695	100%
merlion	629,160,583	10%
simplegame	31,382,496,946	100%
goldbuyer	90,679,475,977	60%
swisswitness	3,237,542,583	5.4%
danewilliams	534,958,622	50%
roger5120	70,813,234,464	21%
abacam	1,533,738,723	100%
abcor	6,227,021,809	100%
reyvaj	37,607,721,771	100%
emsonic	2,931,195,573	2.7%
maykyaw	730,286,292	100%
thedailysneak	2,076,296,124	2.59%
sadbear	725,556,904	2.5%
spyd	657,468,876	100%
marivic10	2,004,275,450	5%
dalz	642,954,739,315	100%
holovision	27,472,300,871	35%
lebey1	2,723,555,456	15%
raiseup	1,055,461,110	10%
harkar	159,446,832,894	20%
luppers	1,471,839,164	2%
dlike	35,876,098,243	5.4%
voxmortis	3,694,565,493	2%
mobi72	7,184,826,331	15%
steemaction	1,599,443,082	10%
fullnodeupdate	25,474,251,928	50%
pedrocanella	5,298,390,141	5%
pboulet	787,048,013	0.7%
marcocasario	383,823,683,397	100%
emma-hs	6,935,831,311	100%
babysavage	781,229,127	5.19%
ravensavage	642,339,041	5.19%
pet.society	15,109,164,620	6%
loope	693,166,576	100%
israelbchain	559,805,424	100%
dosh	5,527,319,827	5%
silverkey	2,897,629,165	14%
silvervault	5,682,929,513	14%
bonnie30	561,153,149	25%
mister-meeseeks	16,631,349,083	20%
kermosura	5,722,578,847	100%
piestrikesback	729,442,012	12.97%
merlin7	5,371,847,652	2.16%
dallas27	12,141,047,339	50%
memeteca	1,141,299,079	8.57%
ziomalek	539,782,004	100%
ferratum	767,525,575	100%
kristall97	204,055,761,394	50%
newsposter	1,261,877,910	100%
followjohngalt	17,809,224,527	4.86%
ogar4ik	1,193,223,603	100%
luz.clarita	658,728,711	100%
gaffarov	1,193,660,138	100%
dam4ik	1,194,721,931	100%
yletavina	1,194,364,944	100%
divachev	1,193,965,573	100%
inurico	1,196,207,814	100%
flpstar	746,805,553	100%
nellon	2,802,234,890	100%
savonova	1,153,948,197	100%
skoroklad	1,130,286,307	100%
gaffra	1,224,380,901	100%
buildingpies	5,544,688,425	12.97%
glastar	249,548,284,233	30%
cakemonster	3,389,980,715	2.7%
smonia	1,965,446,187	100%
mariyem	711,662,494	100%
khan.dayyanz	802,032,233	5%
charitycurator	6,057,834,644	20%
smon-fan	2,075,766,903	100%
jacuzzi	15,161,215,509	20%
tr777	1,726,641,136	100%
sm-jewel	613,531,628	50%
coriolis	467,484,505	100%
tr77	1,636,655,507	100%
smoner	1,463,011,752	100%
anonsteve	74,371,154,802	100%
smonian	1,713,433,779	100%
permaculturedude	2,271,142,527	5.4%
sm-lvl1	939,745,353	65%
sm-starter-beta	658,160,151	65%
ortanol	965,798,367	100%
pindex	786,107,817	100%
smon-joa	1,360,697,489	100%
jjangjjanggirl	1,488,742,000	100%
whaleperks	1,944,546,813	12.97%
stratton.npc	144,886,507	100%
director.rar	127,301,165	100%
landshutbrauhaus	2,729,585,797	100%
darhainer	988,904,938	65%
limka	59,159,473	48.36%
leeyh2	25,729,461,253	100%
hungrybear	388,482,247	10%
ava77	6,479,939,657	100%
steemmonsterking	3,551,327,607	100%
mister-eagle	2,205,054,191	100%
sm-skynet	2,364,596,790	100%
smonbear	1,721,806,715	100%
crearteblue	1,259,833,914	100%
ambifokus	81,812,878,535	25%
cindis	562,302,535	100%
brasan	4,457,732,316	100%
negromate	691,403,116	100%
linur	717,007,050	100%
mfblack	2,642,765,302	5.13%
photographercr	14,891,909,476	8%
krunkypuram	1,456,121,856	100%
crazydaisy	348,915,610	100%
coredump	23,512,675	10%
megavest	20,151,529,617	100%
kytka	301,103,224,359	100%
trxjjbtc	845,896,937	100%
imagenius	631,060,158	5.4%
deeanndmathews	14,054,925,336	25%
ssc-token	1,331,370,621	100%
bastter	25,380,589,051	25%
haxxdump	118,439,841	10%
tradingideas2	0	100%
ctrpch	1,684,838,042	50%
pedroerami	339,628,858	100%
travelwritemoney	13,591,236,771	21%
dalz1	1,029,232,977	100%
imbartley	1,097,529,991	35%
hamza-sheikh	178,135,187	100%
r-monsters	609,123,245	100%
joker777	513,125,340	100%
milu-the-dog	2,427,201,680	5.4%
asmr.tist	3,354,866,519	100%
lrekt01	3,762,808,243	79%
triplea.bot	1,494,942,020	5.4%
tiffin	528,523,964	5.4%
scylla1	682,824,357	50%
steem.leo	34,577,442,074	5.4%
abh12345.leo	3,214,405,936	60%
leovoter	1,441,273,191	50%
empoderat	2,144,266,700,133	100%
vxc.leo	126,266,724	32%
leoaction	321,682,771	100%
bala-leo	8,944,955,862	100%
ejmh	1,801,469,732	40%
scaredycatcurate	1,880,181,734	30%
bearjohn	1,055,628,544	50%
flipstar.sports	77,545,251,744	100%
freddio.sport	4,237,011,751	50%
babytarazkp	11,379,481,645	100%
elgranpoeta	3,985,416,050	100%
asteroids	578,830,077	4.86%
cards4u	653,606,540	100%
helengutier2	137,194,843,320	100%
abh12345.neox	22,654,006	8.1%
tina-tina	362,719,679	100%
taskmaster4450le	567,280,993,867	40%
maddogmike	16,513,352,910	25%
thranax	4,533,494,555	12%
botante	1,113,187,839	0.81%
happiness19	0	100%
revise.leo	3,531,536,046	100%
sbi-tokens	6,076,935,353	5.19%
gdhaetae	369,518,636	100%
successchar	3,991,394,673	25%
elianaicgomes	654,861,693	1%
tomhall.leo	128,330,121	100%
claudio83.leo	598,573,231	100%
kanibot	9,879,001,834	50%
urun	57,619,229,961	100%
espni	1,228,698,573	65%
build-it	212,550,253,043	100%
fixie	48,610,517,518	100%
dnflsms	1,659,443,875	100%
ph1102.leo	0	4%
jessy22	1,271,746,633	100%
spinvest-leo	1,178,896,105	4%
rpi	18,126,567	10%
holybread	457,958,247,057	100%
tonimontana.neo	116,898,826	7.28%
qwertm	523,596,771	6.48%
gerbo	16,638,174	5.4%
javb	3,304,340,805	80%
unpopular	2,563,986,969,561	100%
lnakuma	5,378,220,770	40%
policewala	853,899,803	10%
pjansen.leo	127,413,955	100%
pjansen.ctp	658,560,511	100%
stemisaria	1,922,731,587	100%
chireerocks.neox	55,089,819	100%
keepit2	1,315,258,288	100%
gogoo	514,674,743	100%
ribary	1,828,209,761	2.7%
leomaniacsgr	1,718,080,457	100%
gloriaolar	1,268,950,658	0.81%
garlet	12,142,731,813	30%
mice-k	1,414,075,810	5.4%
vxn666	280,285,662	100%
achim03.leo	1,909,031,695	100%
darthknight	1,002,737,866,246	5%
masterlamps	0	100%
dpend.active	1,088,461,533	1.08%
edaz	604,965,119	100%
qtu	601,852,667	100%
sgerhart	115,530,053,747	100%
fengchao	2,836,191,213	1%
beewolf	228,585,054	50%
hivetrending	74,984,764,578	100%
laruche	30,354,367,698	0.7%
thepeakstudio	1,140,408,523	25%
thisismylife	11,271,556,647	50%
neo2	634,352,805	100%
kravata	642,000,087	100%
bnk	11,610,261,714	8.57%
softworld	549,081,695,947	34%
polish.hive	17,250,665,730	5.4%
captainhive	491,716,454,663	23%
behiver	61,273,309,424	90%
morpheus2	638,300,178	100%
trinity2	648,225,870	100%
siong	661,045,537	100%
globalcurrencies	580,838,364	100%
phineus	711,661,633	100%
zitra	652,456,710	100%
venis	638,665,630	100%
dcityrewards	180,766,035,946	5.4%
holoferncro	8,824,333,973	10%
timbat	1,135,876,081	100%
gjiro	669,304,876	100%
luminosity	517,202,271	100%
hive-143869	1,177,691,181	0.7%
hivelist	1,647,050,342	0.54%
ninnu	9,142,281,692	1.94%
kiemis	5,444,610,272	12.5%
localgrower	1,905,219,117	20%
dealhunter	322,868,391	40%
hive.curation	383,471,196,353	4.63%
ghaazi	1,782,141,127	40%
hivehustlers	99,934,918,448	50%
miguelangel1	4,079,837,615	98%
silvergoldhunter	286,259,806	100%
brofund-leo	1,946,834,680	100%
shani.leo	1,406,197,428	40%
poshbot	2,617,860,102	10%
hivecur	190,840,033,058	100%
improbableliason	5,157,271,560	100%
asa-raw	7,753,186,481	25%
pjansen.bcp	129,289,740	100%
hivecur2	1,729,846,716	100%
dayerlis	704,105,721	100%
neoxcur	1,012,781,685	100%
nikoleondas.leo	523,027,547	100%
recoveryinc	3,558,490,619	5%
deadswitch	1,457,330,546	40%
loyr2611	275,506,153	100%
gohive	103,540,831,339	100%
rezoanulv.leo	4,834,173,666	100%
dying	2,830,629,771	5%
beemd	2,993,217,739	100%
friendlymoose	7,758,051,588	10%
ctpsb	36,270,970,829	2%
senseiphil	554,706,579	1%
eddie-earner	4,466,475,850	40%
abdul.qadir	0	41%
diecinueve	0	100%
curatorcat.leo	2,602,508,198	100%
enrico2gameplays	959,410,103	100%
resiliencia.leo	1,849,107,412	100%
officialhisha	83,495,725	100%
dalz.shorts	782,488,448	100%
gungunkrishu.leo	2,637,700,436	100%
tin.aung.soe	25,064,727,712	37%
cwow2.leo	338,980,979	100%
schindmaehre	234,550,560	100%
hansvonkatte	325,609,005	100%
podewils	286,012,782	100%
leoline	11,221,666,917	60%
samuelvoncocceji	267,016,528	100%
netaterra.leo	887,433,024	25%
nathen007.leo	668,578,883	100%
leoschein	2,225,703,473	90%
gualteramarelo	22,371,302,482	90%
owlpalace	0	100%
hivechat	812,077,544	2.7%
he-index	9,956,599,703	20%
lbi-token	150,169,038,862	40%
banko	2,053,365,906	25%
jmsansan.leo	55,566,867	10%
olddessauer	3,863,855	100%
emrebeyler.leo	1,521,974,970	100%
daviddavidjens	0	100%
dcrops	6,393,615,023	2.7%
ctpsb.leo	703,941,887	100%
ravthijo	4,882,138,888	64.91%
hykss	1,362,786,458	20%
libertyleo27	845,180,616	100%
resiliencia.pal	1,796,813,446	100%
ikaro	4,850,253,087	100%
grumbkow	0	100%
rossbach	0	100%
honeysaver.fund	2,261,019,617	20%
ctpsb.cut	709,559,750	20%
belemo.leo	245,301,291	100%
natzmer	262,174,407	100%
monbijou	0	100%
samrisso	5,737,302,857	5%
tfranzini	12,685,869,656	30%
trostparadox	9,375,133,243,293	99.91%
cuestrin	0	100%
mephistophenes	652,131,035	100%
dannychain	758,749,353	20%
larry21	3,799,929,262	10%
miss-golden	0	100%
silesiaglogau	0	100%
hypnochain	0	20%
meowcurator	306,885,394	65%
kriszrokk	4,391,521,910	100%
almocambio	931,611,289	65%
shahab021	0	100%
sondershausen	459,896,623	100%
bananass	59,665,021,223	58.5%
huzzah	9,193,523,841	50%
dabringhaus	0	100%
megaleoschein	1,317,547,940	72%
dugsix	1,645,149,447	90%
cooperclub	37,329,125,131	100%
zdigital222	34,203,646	50%
livegaming	368,780,011	10%
liotes.leo	7,734,967	8%
nyxlabs	1,029,907,945	25%
phul	2,557,637,111	15%
abuahmedfx	810,871,891	100%
minitira	0	100%
dreschke	0	100%
moraviareosa	0	100%
mayor333	14,508,773,822	100%
bhealy	1,960,084,680	90%
rochow	0	100%
loudon	0	100%
zastrowe	0	100%
idiosyncraticctp	0	2%
rendrianarma	1,936,253,813	20%
jaxsonmurph	763,789,464	35%
generatornation	973,882,662	90%
vanidike	1,223,265,451	100%
darinapogodina	1,690,847,400	90%
leveluplifestyle	7,307,760,210	20%
maurofolco	1,622,466,077	90%
meesterleo	1,044,696,471	60%
dendendenden	32,276,907,612	100%
starbork	4,730,074,965	100%
kellyane	9,783,375,040	100%
robmojo.leo	694,751,089	20%
lookagain	538,583,152	100%
torrecoin90	3,491,388,991	100%
kryptokeena2021	169,799,287	100%
solominer.stake	851,663,361	90%
xyba.pob	163,623,337,650	100%
solominer.leo	800,690,923	100%
phunghang	597,403,873	100%
karin.leo	0	100%
magic.leo	1,013,212,666	100%
jorox	580,428,623	100%
jocieprosza.leo	1,683,270,557	40%
trostparadox.pob	3,697,833,512	99.91%
brainys	0	100%
thisismylife.leo	226,004,839	50%
goitse	284,267,679	100%
epat	0	100%

@arcange · Jul 15 '21

$0.08

> Not totally sure what is the final % under these conditions...

The HBD interest rate is computed for each block production round and is the median value from the 21 scheduled block producers (20 top witnesses + 1 backup).<div class="pull-right"><a href="/@hive.engage">![](https://i.imgur.com/XsrNmcl.png)</a></div>

👍 dalz

`author`	arcange
`permlink`	re-hbd-transfers-to-savings-or-data-by-date-and-users
`category`	hive-167922
`json_metadata`	{"app":"engage"}
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`author_curate_reward`	""

properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
dalz	0 B		180,838,851,512	27%

@dalz · Jul 15 '21

$0.22

This means, the 7% showed by Peakd is lower, as the median would be a bit higher, somewhere around 8.5% ... also its a dynamic value ... not sure what would be the proper way to follow it

cc. @jarvie @asgarth 

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@dalz/re-arcange-du7qw)

👍 asgarth

`author`	dalz
`permlink`	re-arcange-du7qw
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properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
asgarth	0 B		492,056,988,375	20%

@arcange · Jul 15 '21

Do not confuse median and average. The first one is less prone to changes.<div class="pull-right"><a href="/@hive.engage">![](https://i.imgur.com/XsrNmcl.png)</a></div>

properties (22)

`author`	arcange
`permlink`	re-re-arcange-du7qw
`category`	hive-167922
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`created`	2021-07-15 22:01:30
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`post_id`	104,945,871
`net_rshares`	0

@asgarth · Jul 15 '21

$0.33

The value shown on [PeakD wallet page](https://peakd.com/wallet) is fetched directly by the API nodes using this API call: https://developers.hive.io/apidefinitions/#condenser_api.get_dynamic_global_properties
As you can see there is a `hbd_interest_rate` field that give the current value.

But you are right, the value is dynamic and may change. As far as I know according to the followings:
- if top 20 witnesses change
- if one of the top 20 witnesses update his parameters
- according to what value is defined by the 21st backup witness

👍 dalz, digitalis

`author`	asgarth
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`category`	hive-167922
`json_metadata`	{"tags":["hive-167922"],"app":"peakd/2021.07.2"}
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properties (23)vote details (2)

voter	weight	wgt%	rshares	pct	time
digitalis	0 B		70,316,389,383	100%
dalz	0 B		673,470,781,099	100%

1 reply

@smooth · Jul 15 '21 (edited)

$0.09

Median of the list you gave is 7%.  https://en.wikipedia.org/wiki/Median

The backup witness also factors in each round, but with the current top 20 votes, has no effect. IMO the backup witness should be removed from the voting in some future hard fork.

👍 dalz, dalz1

`author`	smooth
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properties (23)vote details (2)

voter	weight	wgt%	rshares	pct	time
dalz	0 B		213,749,630,035	35%
dalz1	0 B		486,922,905	35%

@bozz · Jul 15 '21

$0.07

I have started taking half of my HBD rewards each week or so and putting them in savings.  I think it is a great way to earn some money.  Especially at the 7% rate.  You can't beat that in any traditional savings account that I know of.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@bozz/re-dalz-5tq2sr)

👍 dalz, dalz1

`author`	bozz
`permlink`	re-dalz-5tq2sr
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`created`	2021-07-15 11:41:33
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properties (23)vote details (2)

voter	weight	wgt%	rshares	pct	time
dalz	0 B		160,031,997,384	25%
dalz1	0 B		362,611,821	30%

@dalz · Jul 15 '21

$0.03

At first it wont matter much, but if you give it some time (few years :) ... it can do wonders.

👍 bozz

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properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
bozz	0 B		75,061,438,717	10%

@bozz · Jul 16 '21

I am looking forward to seeing that.  Right now I am just tucking it away and thinking "out of sight, out of mind".  Until the big payoff!

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@bozz/re-dalz-4abhcn)

👍 dalz1

`author`	bozz
`permlink`	re-dalz-4abhcn
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properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
dalz1	0 B		646,588,678	45%

@claudio83 · Jul 17 '21

the supply of the HBD is 10 million? what will happen for example if all the HBDs are blocked in the Saving wallet?

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@claudio83/re-dalz-6trfao)

properties (22)

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`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	104,969,547
`net_rshares`	0

@dalz · Jul 17 '21

They will all earn interest

properties (22)

`author`	dalz
`permlink`	qwdmty
`category`	hive-167922
`json_metadata`	{"app":"hiveblog/0.1"}
`created`	2021-07-17 06:46:48
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`percent_hbd`	10,000
`post_id`	104,969,913
`net_rshares`	0

@claudio83 · Jul 17 '21

Sure, but when all HBDs are blocked, will other HBDs be printed?

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@claudio83/re-dalz-29cdme)

👍 dalz1

`author`	claudio83
`permlink`	re-dalz-29cdme
`category`	hive-167922
`json_metadata`	{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@claudio83/re-dalz-29cdme"}
`created`	2021-07-17 07:10:06
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`net_rshares`	451,854,490
`author_curate_reward`	""

properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
dalz1	0 B		451,854,490	32%

1 reply

@engrave · Jul 14 '21 (edited)

$0.54

Something is wrong with those calculations as HiveSQL shows currently `581,779.274 HBD` on savings accounts. 

```sql
SELECT SUM(savings_hbd_balance)
FROM Accounts
```

Results in `581779.274`


![Screenshot from 2021-07-14 22-51-15.png](https://files.peakd.com/file/peakd-hive/engrave/23tRxJCquUwfwMUxQgYBuFJabp4jtkX1aEcRiNuxEQyQLo2dGDGuLMv8D4HeCS7LEEFLu.png)

👍 darthknight, dalz, dalz1

`author`	engrave
`permlink`	re-dalz-qw95wd
`category`	hive-167922
`json_metadata`	{"tags":["hive-167922"],"app":"peakd/2021.07.2"}
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`depth`	1
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`percent_hbd`	10,000
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`author_curate_reward`	""

properties (23)vote details (3)

voter	rshares	pct
dalz	205,540,367,201	33%
dalz1	382,189,600	32%
darthknight	1,002,264,863,865	5%

@dalz · Jul 14 '21

$0.10

Hm ... well that is interesting ...maybe some big player withdraw some ... not sure ...

👍 engrave

`author`	dalz
`permlink`	qw96f3
`category`	hive-167922
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`net_rshares`	219,849,928,360
`author_curate_reward`	""

properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
engrave	0 B		219,849,928,360	10%

@engrave · Jul 14 '21

Yeah, looks like you didn't count withdrawals.

properties (22)

`author`	engrave
`permlink`	re-dalz-qw96l8
`category`	hive-167922
`json_metadata`	{"tags":["hive-167922"],"app":"peakd/2021.07.2"}
`created`	2021-07-14 21:05:33
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`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
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`promoted`	0.000 HBD
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`author_reputation`	298,270,930,458,191
`root_title`	"HBD Transfers To Savings \| Data by date and users"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	104,920,962
`net_rshares`	0

1 reply

@fixie · Jul 15 '21

What is not very clear to me is what is the period in which they pay that 7% return. For example, if I put 100 HBD in Savings, when will I get 7%?

👍 dalz1

`author`	fixie
`permlink`	qwailr
`category`	hive-167922
`json_metadata`	{"app":"hiveblog/0.1"}
`created`	2021-07-15 13:53:21
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properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
dalz1	0 B		392,946,976	32%

@dalz · Jul 15 '21

At the end of the month!

properties (22)

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`permlink`	re-fixie-qwajy4
`category`	hive-167922
`json_metadata`	{"tags":["hive-167922"],"app":"peakd/2021.07.2"}
`created`	2021-07-15 14:51:39
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`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
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@smooth · Jul 15 '21

Maximum of one payment every 30 days, made any time the balance changes.

So if you haven't received interest in 30 days and do some operation that changes your balance, you get all accrued interest up to that point, and then the 30 day timer resets.

properties (22)

`author`	smooth
`permlink`	qwb0ql
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`json_metadata`	{"app":"hiveblog/0.1"}
`created`	2021-07-15 20:54:21
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`root_title`	"HBD Transfers To Savings \| Data by date and users"
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@hivetrending · Jul 14 '21

$0.14

There is an error in the image regarding wallets who transferred to savings. The title of the images reads “to Exchanges”.

👍 dalz, engrave, dalz1

`author`	hivetrending
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`category`	hive-167922
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`created`	2021-07-14 20:36:36
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properties (23)vote details (3)

voter	rshares	pct
dalz	206,820,117,306	33%
engrave	114,031,812,900	5.2%
dalz1	366,011,036	31%

@dalz · Jul 14 '21

Hey, thanks ... I will corect it

properties (22)

`author`	dalz
`permlink`	qw96cq
`category`	hive-167922
`json_metadata`	{"app":"hiveblog/0.1"}
`created`	2021-07-14 21:00:30
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@jarvie · Jul 17 '21

$0.11

We will move our witness server to a higher apr but we hope for some associated PR. I would like to do some myself but will be without internet for a week... so we will see if it it stays at 7 through the week

👍 dalz

`author`	jarvie
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`category`	hive-167922
`json_metadata`	{"tags":["hive-167922"],"app":"peakd/2021.07.2"}
`created`	2021-07-17 04:57:45
`last_update`	2021-07-17 04:57:45
`depth`	1
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`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.053 HBD
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`author_curate_reward`	""

properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
dalz	0 B		236,354,557,395	35%

@dalz · Jul 17 '21

No internet for  a week!
Thats quite impresive :) About the apr, 7% looks reasanable, 10% is already very attractive, hope it is sustainable as well

properties (22)

`author`	dalz
`permlink`	qwdlu4
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@poshtoken · Jul 15 '21 (edited)

https://twitter.com/Dalz19631657/status/1415408758835093516
https://twitter.com/PowerGames8/status/1415568179959672836
<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)

@taskmaster4450le · Jul 14 '21

$0.15

Very interesting stuff.  

The **HBD** peg is looking good of late.  We are now sitting between .95-1.00.  That is a decent range.  So we made progress in this area.  As you mentioned, we need to see if it holds.  Time is going to tell if it can prove itself.

If we can pull off the**HBD** peg, then we might have one of the most amazing **stablecoins** in crypto.  It is going to awesome if we can pull this off.

We will see in 90-120 days.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-dalz-5mbxwk)

👍 dalz, amr008.leo, dalz1

`author`	taskmaster4450le
`permlink`	re-dalz-5mbxwk
`category`	hive-167922
`json_metadata`	{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-dalz-5mbxwk"}
`created`	2021-07-14 22:34:03
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properties (23)vote details (3)

voter	rshares	pct
dalz	346,812,721,395	51%
dalz1	357,616,738	30%
amr008.leo	461,531,135	13.9%

@dalz · Jul 15 '21

Thanks task!
It seems that the stabilization is working nice for now, especialy with the two ways conversions possible for hive-hbd. 

The dao acts as a peg incetivizer in this direction as well. The one thing that is missing is liquidity for HBD. In time the liquidity should grow and making it more usable.

Just to note here that HBD is a special stablecoin, it is not collateralized with crypto (DAI), or with fiat (USDT, USDC... ), neither it is a algorithmic stablecoin. The closest to it is the FEI stablecoin, that is a few months old project, and it uses a DAO to incetivize trading around the peg on a DEX (Uniswap).  

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@dalz/re-taskmaster4450le-4mwjpp)

properties (22)

`author`	dalz
`permlink`	re-taskmaster4450le-4mwjpp
`category`	hive-167922
`json_metadata`	{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@dalz/re-taskmaster4450le-4mwjpp"}
`created`	2021-07-15 10:41:15
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@sames · Jul 15 '21

I think it also pretty close to Haven coin too. 

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@sames/re-dalz-4tyxhg)

👍 dalz1

`author`	sames
`permlink`	re-dalz-4tyxhg
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properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
dalz1	0 B		498,409,797	36%

@urun · Jul 15 '21

$0.07

In general, it is smart. Hive will be staying in years too IMO, this makes it a rock-solid stable coin with a really nice APR.

The next step should be to create ETH-HBD, BSC-HBD, Matic-HBD, and so on.

If the demand for HBD should increase, we also increase the demand for Hive.

And Bull or bear run. people love stables :) So it should stable hive a lot too, if the demand is big enough :)




Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@urun/re-dalz-6a8gnr)

👍 dalz, dalz1

`author`	urun
`permlink`	re-dalz-6a8gnr
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`created`	2021-07-15 06:15:18
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`depth`	1
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properties (23)vote details (2)

voter	weight	wgt%	rshares	pct	time
dalz	0 B		159,878,446,735	24%
dalz1	0 B		373,817,760	31%

@dalz · Jul 15 '21

$0.02

Interest on stables is one of the safest bet in crypto. It make difference when you play with large ammounts.

👍 urun

`author`	dalz
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`root_title`	"HBD Transfers To Savings \| Data by date and users"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	104,936,560
`net_rshares`	54,188,773,523
`author_curate_reward`	""

properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
urun	0 B		54,188,773,523	100%