create account

Hive Savings Bond: Need Community Feedback by taskmaster4450

View this thread on: hive.blog |  peakd.com |  ecency.com
hive-167922 · @taskmaster4450 · (edited)
$218.48
Hive Savings Bond: Need Community Feedback
*This article is the result of a conversation with @blocktrades.  It is being posted to get feedback from the community.*
___

<center>![image.png](https://images.hive.blog/DQmYdHkND75KkZD4DgoSMgNvbqy9H8fkngBzgA7dDC9F9nP/image.png)
[Source](https://images.hive.blog/DQmU2VHvyv9wS8pNBuCLFr9nhUg3p9K4MakGKYY3epSa28s/image.png)</center>

Over the past few months we discussed different ideas regarding expanding [Hive](https://leofinance.io/@crypto-guides/what-is-hive-crypto-hive) into the **fixed income market**.  This is a crucial aspect of the investing world and one that is going to be vital in the evolution of [Decentralized Finance (DeFi)](https://leofinance.io/@leoglossary/leoglossary-decentralized-finance-defi).

We already see the first layer established with the introduction of interest payments by utilizing the Hive [savings account](https://leofinance.io/@leoglossary/leoglossary-savings-account).  At present, this has a 12% APR utilizing the [Hive Backed Dollar (HBD)](https://leofinance.io/@crypto-guides/what-are-hive-backed-dollars-hbd).  This is the premise we are going to build from.

Here we are going to delve into the issues with the [stablecoin](https://leofinance.io/@leoglossary/leoglossary-stablecoin) [market](https://leofinance.io/@leoglossary/leoglossary-market) as well as what we are proposing to develop on Hive.

### The Problem

For now, the **stablecoin market** is paying a return of 12%-20%.  This is the range that most projects fall into.  This is, naturally, an outstanding return compared to the traditional market.  When it comes to the hunt for [yield](https://leofinance.io/@leoglossary/leoglossary-yield), DeFi is excelling in this area.

That advantage to this, in addition to satisfying the need for a return, is that we see a great deal of [liquidity](https://leofinance.io/@leoglossary/leoglossary-liquidity).  [Money](https://leofinance.io/@leoglossary/leoglossary-money) is available, for the most part, in a very short period of time.

Where the problem comes in is the design.  Here is what we see tied to these projects.

* Counter-risk because one is often dependent upon an [application](https://leofinance.io/@leoglossary/leoglossary-application).  We watched recent events exposing how this is the case with [wallets](https://leofinance.io/@leoglossary/leoglossary-wallet) and other applications.

* The return is often in a token other than the stablecoin [staked](https://leofinance.io/@leoglossary/leoglossary-staking).  This adds another level of risk which could affect the return.

### The Solution - Hive Savings Bond

This is another layer added to the Hive savings program.  Whereas that is a liquid account providing a return, the **Hive Savings Bond** is a time-locked account that offers incentive to lock up one's HBD.

We are looking at the first configuration at being a **1-year lock up, yielding a return of, say, 25%**.  

This is about double what the savings account pays, a price paid to sacrifice liquidity. [Layer 2](https://leofinance.io/@leoglossary/leoglossary-layer-2) solutions could be built in the future that allows for the trading/collateralization of these assets.  For the moment though, we are dealing with a non-liquid [asset](https://leofinance.io/@leoglossary/leoglossary-asset).

It will work exactly the same as the savings account.  Individuals would put HBD in and receive a return.  That is set by the consensus of the witnesses.  Whatever rate one [deposits](https://leofinance.io/@leoglossary/leoglossary-deposit) at, that is in place for the 365 day term.  It is no different than buying a savings [bond](https://leofinance.io/@leoglossary/leoglossary-bond) from the [government](https://leofinance.io/@leoglossary/leoglossary-government). 

Each month a claim could be made.  Of course, we don't want the payouts automatically locked up so they would have to be directed either to liquid HBD or the savings account.

As we can see, another layer of **fixed income options** would be operating on Hive.  People will have a choice of where to deposit their HBD.  If one wants liquidity, then savings is the place.  However, if the quest for yield is the main parameter, one can get a higher [return](https://leofinance.io/@leoglossary/leoglossary-return-on-investment-roi) if willing to forgo liquidity and lock the HBD up for a year.  There is a trade-off yet both options are available.

### Benefits

This could have an enormous impact upon the Hive ecosystem if successful.  We can see a number of benefits that can be spawned from this one move.

* Hive Legitimate In The Fixed Income Market

We are dealing with a [base-layer](https://leofinance.io/@leoglossary/leoglossary-base-layer-blockchain), algorithmic driven stablecoin with no counterparty [risk](https://leofinance.io/@leoglossary/leoglossary-risk).  It is also tied to a [decentralized](https://leofinance.io/@leoglossary/leoglossary-decentralization) [blockchain](https://leofinance.io/@leoglossary/blockchain) with no foundation, company, or venture capital firm behind.  With all the talk about regulation, this is removing that entirely. 

This adheres to the ["your keys, your crypto"](https://leofinance.io/@leoglossary/leoglossary-not-your-keys-not-your-crypto) that is one of the main tenets of this industry.  Also, unlike what took place in Canada, the money is not at risk of seizure or banning.  Nobody can take one's Hive [account](https://leofinance.io/@leoglossary/leoglossary-account) away.

* Payout In HBD

Put in HBD, get paid in HBD.

Sounds simple but it is so rare within the [cryptocurrency](https://leofinance.io/@leoglossary/cryptocurrency) world.  This is eliminating the risk with another [token](https://leofinance.io/@leoglossary/leoglossary-token) involved in the [transaction](https://leofinance.io/@leoglossary/leoglossary-transaction), thus removing a pitfall present in most stablecoin opportunities.

It also serves as a method to create a great deal more HBD.  At present there are roughly 10M-12M outside the DHF.  In the stablecoin world, this is not even a flea on a dog.

Look at some of the others:

[Tether](https://leofinance.io/@leoglossary/leoglossary-tether)  80 billion
[USDC](https://leofinance.io/@leoglossary/leoglossary-usd-coin)    50 billion
BUSD    18 billion
UST     14 billion

In other words, Hive needs a lot more HBD if we are going to be a legitimate player in the stablecoin world.  A lack of liquidity is also causing volatility in the token price, something that is counter to what is desired with a stablecoin.

If we take the present HBD (outside the DHF) and extrapolate it out over 20 years at 25%, we get 1.04 billion.  

### Network Stability

The HIVE-HBD relationship brings up some interesting characteristics.  One is that we have a supply that is truly driven by the community.  Anyone can create either HIVE or HBD via the conversion mechanism.  This means the market dictates whether one or the other is generated.

There is a risk to this.  Since HBD is backed by $1.00 worth of HIVE, there is a potential threat by nefarious players to the system if they use market swings to create a lot of HBD and then convert it reverses.  It is counterbalanced by the haircut rule which is bring moved to 30% in the next hard [fork](https://leofinance.io/@leoglossary/leoglossary-fork).

We see increased [network](https://leofinance.io/@leoglossary/leoglossary-network) stability through the use of the Hive Savings Bond.  Since the  HBD will be time locked, it is not a threat to the network since it cannot be converted to HIVE until released.  With all the information is [on chain](https://leofinance.io/@leoglossary/leoglossary-on-chain), it is easy to tell what is being released over the next 30 days.

Hence, we have the opportunity to expand the supply of HBD while not putting the network at much greater risk.  

### Funding Mechanism

Most are going to look at the [APR](https://leofinance.io/@leoglossary/leoglossary-annual-percentage-return-apr) as a way to enhance our personal returns.  However, this is equally applicable to the projects built on Hive.

For example, imagine you develop a game.  In this case, one could take $10K and put it in the Hive Savings Bond.  This would generate a little over 200 HBD per month.  Here we see where the contests or leaderboard rewards could come from.

The same applies to a project in general.  Let us suppose it raised $200K.  Half of that could be put into the account and earn $25K per year.  This would help to fund development, marketing, or whatever other tasks were needed.

We can see this really enhanced by the release of the Hive Application Framework (HAF) which will make development on Hive much simpler.

### Pull In Money From The Outside

Having an APR of 25% in the crypto world might not sound like much.  However, for those who understand compounding, it is huge.  To contrast, Warren Buffett is known as the greatest [investor](https://leofinance.io/@leoglossary/leoglossary-investor) in the world due to the fact he generated a 20% return over half a century.  

Going into the 1980s, when [interest rates](https://leofinance.io/@leoglossary/leoglossary-interest-rate) were higher, the fixed income market was a legitimate avenue to pursue.  People would buy bonds yielding 12%-14%.  It was a way to develop a strong [cashflow](https://leofinance.io/@leoglossary/leoglossary-cash-flow) over time.

For those who are in their 30s or 40s, this could be a very powerful opportunity.  If one looks at investing regularly into something like this, the 25% return would [compound](https://leofinance.io/@leoglossary/leoglossary-compound-interest) into a big number by the time one reaches his or her mid-60s. In the US, one can put in about $7K into an IRA.  Doing something similar to that over 20 year, at 25%, will turn into millions.

Here we see not only the opportunity to appeal to those investing in stablecoins but also to pull money out of people's traditional accounts that are underperforming.  It is easy to see how millions could end up pouring in as people learn about this opportunity.

### Create A Demand For HIVE

If this project is mildly successful, it will not likely have much impact in this area.  However, if it does take off, this could really alter things.

We see projects that are pooling billions.  This is a fairly regular occurrence in the DeFi world.  With this, we will not set our sites so high.

However, what happens if we start to move into the tens of millions?  Where is all that HBD going to come from?  The answer is through the conversion mechanism.  Here is where we could see the demand for HIVE increase since people will need that to convert so as to enter the Hive Savings Bond.

This could actually further reduce the amount of HIVE outstanding.

### Hive Accounts

Anyone who wants to partake will need a Hive account.  This will help to expose more people to the ecosystem.

At the same time, there will be [Resource Credits](https://leofinance.io/@leoglossary/leoglossary-resource-credits-rc) required.  Here we could also see some increase in the demand for HIVE as people need to get some to power up in an effort to operate. 

With increased transactions comes more need for those ever important Resources Credits.  Someone has to create them by powering up.

### Risks

There are risks to everything and we would be remiss if we did not cover them.

With this opportunity, we are looking at a very low risk ratio.  In fact, it is as safe as one can get.

* No Longer Backed By $1 Worth Of HIVE

The Hive Backed Dollar is backed by $1 worth of HIVE.  When the ratio of HBD to the USD value of HIVE goes to an extreme, this could be broken.  It is the reason for the haircut rule which adds a layer of risk.  Of course, that rule is in place to allow the system to self correct if it gets close to the limit.  With the next hard fork, this is going to be raised, furthering reducing this risk.

* Hive Shuts Down

If the blockchain completely stops, there is nothing to access.  While this is unlikely since it only requires one person, somewhere in the world, running the software, it is a risk.  If Hive disappears, all that is one it goes away.  The same is true for any other blockchain.

* HIVE Goes To Zero

The old saying of anything multiplied by zero is still zero.

If HIVE becomes worthless, than what it is backing, by definition, is also worthless.  It is only possible to claim $1 worth of HIVE for each HBD if HIVE has some value.

Again, the likelihood of this happening is almost nil but it is out there in the realm of potentiality.

### In Conclusion

Cryptocurrency is filled with people who are looking to get rich overnight.  Everyone is looking for the ["moon"](https://leofinance.io/@leoglossary/leoglossary-mooning) token, one that will lead to [Lambos](https://leofinance.io/@leoglossary/leoglossary-lambo) and islands.  

We saw another phase development where stablecoins emerged as a means of parking some of those [profits](https://leofinance.io/@leoglossary/leoglossary-profit).  As risk-off took hold, many moved to stablecoins to preserve the gains.  At the same time, some of the [yield farming](https://leofinance.io/@leoglossary/leoglossary-yield-farming) projects arose, providing some return.

However, few are fully focused upon the **Decentralized Fixed Income Market**.  This is a place where Hive can easily set up camp.  We have the basic [infrastructure](https://leofinance.io/@leoglossary/leoglossary-infrastructure-computer) in place with the Hive Savings Program.  Now it is just a matter of expanding it, adding another layer that includes the time-locked feature.

Essentially we are looking at a base-layer project with very low risk while offering a very strong return.  It appeals to a different type of investor as compared to the one who is out there setting his or her hair on fire and throwing caution to the wind.  While not as exciting, it does provide a solution for a larger portion of the investing public.

What are your thoughts on the matter?  Give us feedback in the comment section.
___
If you found this article informative, please give an upvote and rehive.



https://images.hive.blog/0x0/https://files.peakd.com/file/peakd-hive/doze/MkkDNhyH-2020_04_13_16_57_48.gif

gif by @doze

![screen_vision2025_1.png](https://images.hive.blog/DQmXEv6MvKTCurBzSdbKjWzFadJwfJfJfmA2We9EwD5q5Vb/screen_vision2025_1.png)

logo by @st8z










Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450/hive-savings-bond-need-community-feedback)
👍  , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , and 785 others
👎  
properties (23)
authortaskmaster4450
permlinkhive-savings-bond-need-community-feedback
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"],"canonical_url":"https://leofinance.io/@taskmaster4450/hive-savings-bond-need-community-feedback","links":["https://images.hive.blog/DQmU2VHvyv9wS8pNBuCLFr9nhUg3p9K4MakGKYY3epSa28s/image.png"],"image":["https://images.hive.blog/DQmYdHkND75KkZD4DgoSMgNvbqy9H8fkngBzgA7dDC9F9nP/image.png","https://files.peakd.com/file/peakd-hive/doze/MkkDNhyH-2020_04_13_16_57_48.gif","https://images.hive.blog/DQmXEv6MvKTCurBzSdbKjWzFadJwfJfJfmA2We9EwD5q5Vb/screen_vision2025_1.png"],"users":["blocktrades.","crypto-guides","leoglossary","doze","st8z","taskmaster4450"]}
created2022-03-10 14:22:21
last_update2022-08-06 17:23:18
depth0
children135
last_payout2022-03-17 14:22:21
cashout_time1969-12-31 23:59:59
total_payout_value50.495 HBD
curator_payout_value167.986 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length14,595
author_reputation5,540,526,701,151,438
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries
0.
accounttaskmaster4450le
weight7,000
max_accepted_payout1,000,000.000 HBD
percent_hbd0
post_id111,198,412
net_rshares320,833,709,305,183
author_curate_reward""
vote details (850)
@antisocialist ·
$0.12
It's a great idea, imo.
@klye promised us a second layer that could collateralize this, but hasn't delivered it, yet.

The Howey test doesn't seem to to be applicable.
An investment is a security if all 4 apply:

![image.png](https://files.peakd.com/file/peakd-hive/antisocialist/23tmmNARanfUuEnxX3iYcqvuWE7CWSHXJAaYMKddPstjDxMJQ5AP3t8rGT2EwHmpEV74X.png)

3 and 4 clearly don't apply.

I'm guessing the coding and testing would be minimal.
Any hope of it making this hardfork?
👍  
properties (23)
authorantisocialist
permlinkre-taskmaster4450-r8kd59
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 04:43:57
last_update2022-03-11 04:43:57
depth1
children6
last_payout2022-03-18 04:43:57
cashout_time1969-12-31 23:59:59
total_payout_value0.061 HBD
curator_payout_value0.062 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length476
author_reputation222,671,614,409,150
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,218,262
net_rshares118,017,179,347
author_curate_reward""
vote details (1)
@klye ·
$0.11
This could be done in solidty once HSC goes live.

I'm off to my first round of physio tomorrow and few off HIVE prijects to round up then I can pivot back onto majority HIVE dev.
👍  
properties (23)
authorklye
permlinkre-antisocialist-r8kddp
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 04:49:33
last_update2022-03-11 04:49:33
depth2
children2
last_payout2022-03-18 04:49:33
cashout_time1969-12-31 23:59:59
total_payout_value0.052 HBD
curator_payout_value0.053 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length181
author_reputation401,073,947,379,813
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,218,331
net_rshares100,452,674,148
author_curate_reward""
vote details (1)
@antisocialist ·
$0.13
Wonderful, I think collateralizing the bonds would be a good thing, hp, maybe less so.
👍  
properties (23)
authorantisocialist
permlinkre-klye-r8kf0l
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 05:24:21
last_update2022-03-11 05:24:21
depth3
children0
last_payout2022-03-18 05:24:21
cashout_time1969-12-31 23:59:59
total_payout_value0.063 HBD
curator_payout_value0.063 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length86
author_reputation222,671,614,409,150
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,218,895
net_rshares120,424,963,746
author_curate_reward""
vote details (1)
@manniman · 
![untitled.gif](https://media.tenor.com/images/afff6b49b1e75d46bda98b5af4b43692/tenor.gif)
properties (22)
authormanniman
permlinkre-klye-r8l58l
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 14:52:21
last_update2022-03-11 14:52:21
depth3
children0
last_payout2022-03-18 14:52:21
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length90
author_reputation78,497,888,894,033
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,899
net_rshares0
@manniman ·
$0.25
Don't push @klye, he's cool brAh
👍  , ,
properties (23)
authormanniman
permlinkre-antisocialist-r8l54p
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 14:48:27
last_update2022-03-11 14:48:27
depth2
children2
last_payout2022-03-18 14:48:27
cashout_time1969-12-31 23:59:59
total_payout_value0.127 HBD
curator_payout_value0.124 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length32
author_reputation78,497,888,894,033
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,816
net_rshares233,017,451,283
author_curate_reward""
vote details (3)
@klye ·
$0.03
lol'd.

No need to defend my ass. But I appreciate the sentiment. <3
👍  
properties (23)
authorklye
permlinkre-manniman-r8nyw8
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-13 03:27:09
last_update2022-03-13 03:27:09
depth3
children1
last_payout2022-03-20 03:27:09
cashout_time1969-12-31 23:59:59
total_payout_value0.017 HBD
curator_payout_value0.016 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length68
author_reputation401,073,947,379,813
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,274,890
net_rshares29,656,782,363
author_curate_reward""
vote details (1)
@beerlover · 
<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 @taskmaster4450, here is a little bit of <code>BEER</code> from @pixresteemer for you. Enjoy it!</p> <p>Do you want to <a href='https://friends.beersaturday.com/hive'>win <b>SOME BEER</b> together with your friends </a> and draw the <code>BEERKING</code>.</p> </center><div></div>
properties (22)
authorbeerlover
permlinkre-taskmaster4450-hive-savings-bond-need-community-feedback-20220310t143744761z
categoryhive-167922
json_metadata{"app":"beerlover/2.0"}
created2022-03-10 14:37:45
last_update2022-03-10 14:37:45
depth1
children0
last_payout2022-03-17 14:37:45
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length522
author_reputation24,770,396,872,031
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,198,851
net_rshares0
@borislavzlatanov ·
$0.08
I definitely think there is a tremendous potential behind HBD that we are not utilizing. I think that if mass adoption and shift to cryptocurrencies is to occur, regular people will use and put their money in stablecoins. 

As you say, we need far more HBD printed for this to happen. 

One thing that concerns me with the bond proposal is that it creates complex mechanics where there can be a lot of gambling into the future that creates systemic risks for the entire network. We see this in economies. Huge amounts of capital locked up in assets that are seemingly very secure, but at one point it turns out they are not, so a domino effect happens. It bothers me that these scenarios can be brought into crypto, and especially into Hive which I would like to see as a far superior and more stable economy than the other ones out there. Gambling with buying and selling bonds (debt) for a year or many years into the future, which is where I think you are going with this, creates that speculation where everyone gets in on the high-paying asset and all of a sudden there is a huge amount of outstanding debt and this creates systemic risk.

With that said, I am all for the spirit of what you are going for here, I just don't think buying and selling debt will serve us well to get there. I think we can get there (print tens and hundreds of millions of HBD in the next 2-3 years) by using what we already have in place. I really like the system we have where witnesses can set the HBD interest rate at will. This creates a highly intelligent (far better than code) and responsive (in pretty much real-time) system. So, when the haircut rule is increased to e.g. 30%, might the witnesses not increase the HBD interest towards 20%? What about 30%? And go even higher, 50%. What would this accomplish? First, it will print more HBD. Then, it will increase demand for HBD, which will increase its price. As HBD's price goes up, the moment it reaches $1.05, it will start to make sense for people to convert Hive to HBD, which will begin to greatly increase the amount of HBD in existence. The higher the APR, the higher the demand, the more HBD gets printed. This will also create a large demand for Hive, increasing its price as well. And also, it will serve as a great marketing tool to make the name of Hive reverberate around the crypto sphere - who the hell gives a 50% APR on a stablecoin? It will also be a chance for us to point out the advantages of Hive, so many people who care about those core principles will discover what this place offers, besides having incentive to move capital here. 

What's great about this is that the witnesses can keep increasing the APR gradually and seeing the effects of each increase. Are things going how we want? If so, keep increasing. If not, then revise. The goal would be to print hundreds of millions of HBD (or more), push Hive's price up a lot, and make Hive's name become very popular. Then the witnesses can start bringing down the APR when they see it is at a level that's not sustainable and that's not resulting in the additional printing of HBD.

Again, the goal of this would be to print a huge amount of HBD in the next 2-3 years. When accomplished, there will no longer be a need for such a high APR. 

And then, we would have to ask ourselves - if there is this much HBD in existence, will it stay that way or will people convert back into Hive? I guess this depends a lot on what use cases for HBD there are. If there are good use cases, the HBD will stay there and be used. With a lot more HBD in existence, this will open up new use cases, for sure. The high APR and demand will create new exchange listings. So people will be highly incentivized to buy HBD and simply keep it in savings for a nice APR like 12%. Everyone with a lot of money will love this, and the popularity, stability and amount of HBD in existence (if we achieve it) will give them the confidence to put their money into HBD savings. 

But this is just one idea, I'm sure there are other, better ones. The point is however that we aren't even scratching the surface of what we have - a decentralized system where the witnesses can specify, in real time, how the HBD system functions. I find this far superior than hardcoding any ruleset. We could easily increase the APR the more time a person keeps their funds into savings, or incentivize any other kind of behavior.
👍  
properties (23)
authorborislavzlatanov
permlinkre-taskmaster4450-r8ji8d
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 17:36:12
last_update2022-03-10 17:36:12
depth1
children4
last_payout2022-03-17 17:36:12
cashout_time1969-12-31 23:59:59
total_payout_value0.038 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length4,406
author_reputation5,686,425,684,581
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,203,099
net_rshares73,479,436,526
author_curate_reward""
vote details (1)
@taskmaster4450le · 
That is true that the witnesses can raise the APR on savings.  They can do the same with the bond.  

The difference is that HBD created through savings is still a threat to the system since it is basically liquid.

With the bond, there is a lock up, creating more HBD yet not having as a threat to the stability of Hive.  

As for trading bonds, you might be right.  That would be a layer 2 solution that would be technically outside of Hive.  Would it drive more people to speculate and get involved, I dont know.  Nevertheless, the base layer still operates the same with or without that step: lock up HBD and get an increased return.

All interesting ideas and there is the flexibility being built in.  For example, the witnesses, if they desired, could push the bond to 50% and savings to 30% (or whatever numbers they choose) based upon the success of pulling money in versus not.



Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-borislavzlatanov-5dwwjq)
👍  
properties (23)
authortaskmaster4450le
permlinkre-borislavzlatanov-5dwwjq
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-borislavzlatanov-5dwwjq"}
created2022-03-10 17:46:48
last_update2022-03-10 17:46:48
depth2
children3
last_payout2022-03-17 17:46:48
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length999
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,203,340
net_rshares8,824,735,071
author_curate_reward""
vote details (1)
@borislavzlatanov · 
Hmm, don't we want to create more liquid HBD instead of locked up HBD? What would the value of locked up HBD be? People can't use it to buy and sell things.

And why does more HBD pose a threat? If it does pose a threat, then locking up the threat just postpones it a year or more, so the threat is pushed into the future but the time will come when the HBD will become liquid, and then what would happen? I would be unsettled holding my money in a network that has huge future debt. 

Maybe we can find a way to mitigate the threat (If there is one) in the present time instead of pushing it into the future.

The blockchain has the haircut rule which stops printing HBD once a debt threshold is reached, and to me this sounds like a good preventive mechanism - if we go above the haircut, no new HBD is printed, so the only way to print new HBD would be to increase the price of Hive or to reduce the HBD supply. From your proposal, though, I am guessing you don't think the haircut serves as enough of a protection against creating too much HBD that can't be paid back in Hive.
properties (22)
authorborislavzlatanov
permlinkre-taskmaster4450le-r8jmbu
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 19:04:42
last_update2022-03-10 19:04:42
depth3
children2
last_payout2022-03-17 19:04:42
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length1,080
author_reputation5,686,425,684,581
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,205,202
net_rshares0
@borsengelaber · 
💪🏻 Amazing idea @taskmaster4450 and a really well balanced article with chances AND risks. If that works out, I think I have to accumulate some HBD then though my plan was to convert everything I get into Hive.
👍  
properties (23)
authorborsengelaber
permlinkre-taskmaster4450-2022313t85229384z
categoryhive-167922
json_metadata{"tags":["hive-167922","hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"],"app":"ecency/3.0.27-mobile","format":"markdown+html"}
created2022-03-13 07:52:30
last_update2022-03-13 07:52:30
depth1
children0
last_payout2022-03-20 07:52:30
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length210
author_reputation140,224,652,603,889
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,279,086
net_rshares232,644,898
author_curate_reward""
vote details (1)
@bozz ·
$0.08
Very interesting.  I was thinking that 25% seemed kind of low at first, but then I got thinking about Anchor and Luna an all of that and I think that seems like a really reasonable number.  The problem for me would be holding HBD liquid long enough to put the desired amount in there.  Usually I always succumb to the temptation of just throwing it into the savings.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@bozz/re-taskmaster4450-4domwd)
👍  
properties (23)
authorbozz
permlinkre-taskmaster4450-4domwd
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@bozz/re-taskmaster4450-4domwd"}
created2022-03-10 17:12:51
last_update2022-03-10 17:12:51
depth1
children2
last_payout2022-03-17 17:12:51
cashout_time1969-12-31 23:59:59
total_payout_value0.038 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length463
author_reputation1,477,185,862,865,563
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,202,588
net_rshares73,430,011,691
author_curate_reward""
vote details (1)
@taskmaster4450le ·
$0.05
Yes it might be too low but there is always the possibility to add other layers at a later date.

For example, can go to 30% for a 2 or 3 year commitment, something like that.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-bozz-fewek)
👍  
properties (23)
authortaskmaster4450le
permlinkre-bozz-fewek
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-bozz-fewek"}
created2022-03-10 17:26:12
last_update2022-03-10 17:26:12
depth2
children1
last_payout2022-03-17 17:26:12
cashout_time1969-12-31 23:59:59
total_payout_value0.024 HBD
curator_payout_value0.025 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length273
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,202,865
net_rshares47,965,213,586
author_curate_reward""
vote details (1)
@bozz · 
Yeah, that makes sense.  Things move so fast in this space that I was thinking 25% would be more of a six month lock up.  Then bump it up for a year or more. It is all fluid.  If they decide to move forward with it I am sure they will find that sweet spot.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@bozz/re-taskmaster4450le-456bgu)
properties (22)
authorbozz
permlinkre-taskmaster4450le-456bgu
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@bozz/re-taskmaster4450le-456bgu"}
created2022-03-10 17:30:39
last_update2022-03-10 17:30:39
depth3
children0
last_payout2022-03-17 17:30:39
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length355
author_reputation1,477,185,862,865,563
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,202,977
net_rshares0
@bradleyarrow · 
I am 💯 percent behind this.
properties (22)
authorbradleyarrow
permlinkre-taskmaster4450-r8jcxs
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 15:41:54
last_update2022-03-10 15:41:54
depth1
children0
last_payout2022-03-17 15:41:54
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length27
author_reputation466,272,748,156,623
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,200,492
net_rshares0
@brightstar · 
I had my payout 50% HBD, 50% Hive, and I just changed it to 100% Hive to build up my power about a week ago. But if I could lock up my HBD for a year for 25%, I would change my payouts back to 50/50. This change would probably change the entire structure of how I invest. Because I don't know much about a lot of projects, I would probably be looking into moving a lot of what I have in other projects over to HBD to lock it down. I love the idea of knowing for sure I can get 25% in a project that I'm familiar with.
👍  
properties (23)
authorbrightstar
permlinkre-taskmaster4450-r8n75s
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-12 17:27:30
last_update2022-03-12 17:27:30
depth1
children0
last_payout2022-03-19 17:27:30
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length517
author_reputation43,450,263,253,873
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,262,695
net_rshares265,283,775
author_curate_reward""
vote details (1)
@cflclosers ·
$0.07
Lots to think about here but I generally like it. A year seems long but goes by sooooo fast. I especially like your reference to games and how they can generate a return. 

Since I have so little at risk or to risk, I would put in $1 a day so I'd unlock every day. But I imagine that wouldn't be an option if this idea really came into fruition.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@cflclosers/re-taskmaster4450-2dg5pf)
👍  
properties (23)
authorcflclosers
permlinkre-taskmaster4450-2dg5pf
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@cflclosers/re-taskmaster4450-2dg5pf"}
created2022-03-10 20:54:12
last_update2022-03-10 20:54:12
depth1
children2
last_payout2022-03-17 20:54:12
cashout_time1969-12-31 23:59:59
total_payout_value0.036 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length448
author_reputation171,167,095,769,709
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,208,373
net_rshares70,642,265,314
author_curate_reward""
vote details (1)
@taskmaster4450le · 
The idea is that your HBD is locked up for 365 days.  So if you put in 1 HBD a day, it would release one a day to you after the 365 days went by.  So then you would be on a steady stream of unlocking if that is what you would be after.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-cflclosers-3g5e5r)
👍  
properties (23)
authortaskmaster4450le
permlinkre-cflclosers-3g5e5r
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-cflclosers-3g5e5r"}
created2022-03-10 22:35:39
last_update2022-03-10 22:35:39
depth2
children1
last_payout2022-03-17 22:35:39
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length340
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,211,003
net_rshares17,641,801,118
author_curate_reward""
vote details (1)
@cflclosers · 
Yeah, I understand that but is that fair to the system and be considered trying to game it? Or is that a legit strategy. 

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@cflclosers/re-taskmaster4450le-7ersif)
properties (22)
authorcflclosers
permlinkre-taskmaster4450le-7ersif
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@cflclosers/re-taskmaster4450le-7ersif"}
created2022-03-10 22:45:57
last_update2022-03-10 22:45:57
depth3
children0
last_payout2022-03-17 22:45:57
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length226
author_reputation171,167,095,769,709
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,211,256
net_rshares0
@cmplxty.leo · 
I love the idea and if the account can claim automatically the monthly reward instead of needing a transaction to do so, or letting us do it without needing to deposit something, that would be awesome! 

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@cmplxty.leo/re-taskmaster4450-6a7i5j)
properties (22)
authorcmplxty.leo
permlinkre-taskmaster4450-6a7i5j
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@cmplxty.leo/re-taskmaster4450-6a7i5j"}
created2022-03-11 12:31:15
last_update2022-03-11 12:31:15
depth1
children0
last_payout2022-03-18 12:31:15
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length306
author_reputation3,729,503,076,390
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,226,378
net_rshares0
@colm.hive ·
$0.07
Would be ideal if we had liquid hbd pairings on external exchanges other than bittrex. Ideally usdt/hbd, usdc/hbd, busd/hbd pairings. 

I fully support high yields and locking funds for 3 month, 6 month, 1 year, 2 year with various APRs with ideally weekly or twice monthly distributions (for cashflow smoothness would be better than monthly) 

25% over a long term would go a long long way towards financial freedom or relieving some financial anxiety for a lot of people. I'd definitely buy more hbd if 25% was available for locked in few months or longer

The highest stable coin percentage I've seen when looking was 16% so far on celo-Euro
👍  
properties (23)
authorcolm.hive
permlinkre-taskmaster4450-r8kl70
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 07:37:48
last_update2022-03-11 07:37:48
depth1
children1
last_payout2022-03-18 07:37:48
cashout_time1969-12-31 23:59:59
total_payout_value0.036 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length644
author_reputation754,496,089,372
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,221,306
net_rshares71,026,040,185
author_curate_reward""
vote details (1)
@taskmaster4450le · 
Certainly we need to look at different ways of getting HIVE and HBD from external sources.  However, those exchanges are based upon demand.  Since the demand isnt high, they overlook it. 

Creating some use cases could well up the demand, pushing some to accept it.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-colm-hive-6qb7ug)
properties (22)
authortaskmaster4450le
permlinkre-colm-hive-6qb7ug
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-colm-hive-6qb7ug"}
created2022-03-11 14:20:03
last_update2022-03-11 14:20:03
depth2
children0
last_payout2022-03-18 14:20:03
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length369
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,070
net_rshares0
@crypto.defrag · 
Your post was upvoted and reblogged on @crypto.defrag
properties (22)
authorcrypto.defrag
permlink20220806t172717672z
categoryhive-167922
json_metadata{"app":"repv0.1x"}
created2022-08-06 17:27:18
last_update2022-08-06 17:27:18
depth1
children0
last_payout2022-08-13 17:27:18
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length53
author_reputation290,907,935,599
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id115,493,901
net_rshares0
@cryptoandcoffee ·
$0.20
I am all for it and really do hope this gets rolled out soon. 20% or 25% is massive and doesn't really matter what age you are you cannot afford to not be involved in this. I have always said when Hive goes up in price I will convert Hive to HBD as this is a no brainer.  

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@cryptoandcoffee/re-taskmaster4450-yqtzg)
👍  , ,
properties (23)
authorcryptoandcoffee
permlinkre-taskmaster4450-yqtzg
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@cryptoandcoffee/re-taskmaster4450-yqtzg"}
created2022-03-10 21:57:30
last_update2022-03-10 21:57:30
depth1
children2
last_payout2022-03-17 21:57:30
cashout_time1969-12-31 23:59:59
total_payout_value0.100 HBD
curator_payout_value0.100 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length379
author_reputation2,422,016,385,182,903
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,209,952
net_rshares191,702,592,751
author_curate_reward""
vote details (3)
@taskmaster4450le ·
$0.03
I agree.  To me, how can someone afford NOT to have this at part of their portfolio.  Certainly one doesnt want to put all in this but having a bit in is a wise move.

I am not sure if most realize how much wealth can be generated by 25% APR over the period of 10 or 20 years.  For those young enough, it is going to be a tremendous opportunity.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-cryptoandcoffee-2sfus9)
👍  
properties (23)
authortaskmaster4450le
permlinkre-cryptoandcoffee-2sfus9
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-cryptoandcoffee-2sfus9"}
created2022-03-10 22:37:15
last_update2022-03-10 22:37:15
depth2
children1
last_payout2022-03-17 22:37:15
cashout_time1969-12-31 23:59:59
total_payout_value0.014 HBD
curator_payout_value0.014 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length455
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,211,060
net_rshares28,378,252,648
author_curate_reward""
vote details (1)
@quinnertronics · 
Here are some nice examples of what can be earned from $1000 down + $1000\year..the 50 year scenario is close enough to buffet money for me...
![Screenshot_20220311-021927.png](https://files.peakd.com/file/peakd-hive/quinnertronics/23w3AA6Pzo5SJg46du6Qv1sVPgkK7wjxnC9ot7qAc8A8DTd33EP79VsUtehQSftLDqsrp.png)

![Screenshot_20220311-021947.png](https://files.peakd.com/file/peakd-hive/quinnertronics/23vsmuMHCcmNT2ErUhYBQ7WUiqK52ayGyH59i7ys2CZicLNoTPA937Bddad9jFoiomYqM.png)
properties (22)
authorquinnertronics
permlinkre-taskmaster4450le-r8kkh4
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 07:22:15
last_update2022-03-11 07:22:15
depth3
children0
last_payout2022-03-18 07:22:15
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length472
author_reputation62,376,638,275,823
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,220,995
net_rshares0
@curatorcat.leo ·
$0.30
There's a whole bunch of stuff here that has a lot of appeal, but the *one* thing that increasingly ran through my mind as I read this is the reality that this starts looking more and more like a *SECURITY,* and that might suddenly start attracting the attention of regulatory bodies that will want to try to put up fences, restrictions, stumbling blocks and *scrutiny* we perhaps would rather not have.

Hence, I think the vast majority of what you are talking about here is very *attractive,* but I would leave it on the long-term burner — perhaps even developing it as far as being a *"turnkey"* project — while taking a step back to simply observe how the crypto-regulatory *"cookie"* is going to crumble, over the next few years.

Absolutely, *"Hive is decentralized,"* but I don't think we can afford to be too smug and complacent about it and attract *unwanted* attention before attracting a lot more *wanter* attention.

In the meantime, maybe a *"hybrid"* system more along the lines of legacy banking CDs... there's a *"spot (cash) interest rate,"* and a *"one month"* rate, and maybe a *"6 month rate"* and a *"Year"* and *"five year"* rate. 

You can take your HBD out anytime you want, but you forego *all* incremental interest + some additional percentage as a penalty for early withdrawal. The accounts should still have a "live ticker" showing your current earnings, so people would know *exactly* they'd be losing if they took out their balances early.

=^..^=

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@curatorcat.leo/re-taskmaster4450-4hrldq)
👍  ,
properties (23)
authorcuratorcat.leo
permlinkre-taskmaster4450-4hrldq
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@curatorcat.leo/re-taskmaster4450-4hrldq"}
created2022-03-10 22:34:39
last_update2022-03-10 22:34:39
depth1
children1
last_payout2022-03-17 22:34:39
cashout_time1969-12-31 23:59:59
total_payout_value0.151 HBD
curator_payout_value0.149 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length1,584
author_reputation23,567,644,272,938
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,210,956
net_rshares284,803,003,781
author_curate_reward""
vote details (2)
@tobetada · 
I think the point is that Hive is very hard to regulate. There isn't a central entity, no corporation etc. How can one regulate something that is essentially code? The only way I see is that it could be delisted on CEXs or be "banned"/blocked from the internet which is not really possible.
properties (22)
authortobetada
permlinkre-curatorcatleo-r8l16a
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 13:22:57
last_update2022-03-11 13:22:57
depth2
children0
last_payout2022-03-18 13:22:57
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length291
author_reputation520,969,199,342,709
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,227,678
net_rshares0
@dalz ·
$0.07
YES!
But I would like the community to push for more listings for both HIVE and especialy HBD.

HIVE with more exchange liatings is still to much centralized with Upbit. At this point the only counter to that would be Coinbase listing.
👍  
properties (23)
authordalz
permlinkr8jlr0
categoryhive-167922
json_metadata{"app":"hiveblog/0.1"}
created2022-03-10 18:52:21
last_update2022-03-10 18:52:21
depth1
children1
last_payout2022-03-17 18:52:21
cashout_time1969-12-31 23:59:59
total_payout_value0.036 HBD
curator_payout_value0.036 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length235
author_reputation1,289,145,549,795,266
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,204,917
net_rshares70,886,224,293
author_curate_reward""
vote details (1)
@taskmaster4450le · 
>But I would like the community to push for more listings for both HIVE and especialy HBD.

Without a doubt that needs to be done.  I still look at it as the chicken or the egg.  Sadly, until we make some noise, we will not get the listings.  Of course, to do that, we need the people to access the tokens.

So we just have to keep pushing in all the different ways.  It is a slow process but getting some money staked could really help a great deal.  Then we can promote that too.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-dalz-5u5mv1)
properties (22)
authortaskmaster4450le
permlinkre-dalz-5u5mv1
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-dalz-5u5mv1"}
created2022-03-10 19:06:21
last_update2022-03-10 19:06:21
depth2
children0
last_payout2022-03-17 19:06:21
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length580
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,205,239
net_rshares0
@davedickeyyall · 
So here's my question.. let's take that 10K and buy a 1 year bond that pays 200 HBD a month.  Can I take that 200 HBD and put it into savings and collect 12%? Could a buy another 200 HBD bond for a year every month?

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@davedickeyyall/re-taskmaster4450-2oxwzc)
properties (22)
authordavedickeyyall
permlinkre-taskmaster4450-2oxwzc
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@davedickeyyall/re-taskmaster4450-2oxwzc"}
created2022-03-11 14:17:51
last_update2022-03-11 14:17:51
depth1
children0
last_payout2022-03-18 14:17:51
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length322
author_reputation719,787,624,867,721
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,017
net_rshares0
@dbooster · 
I think this is a wonderful idea. I believe you posted some thoughts about this idea before and I said much the same. I really like it and think it could bring a lot more attention to Hive. I'd even go further and say we should add multiple yield lengths. 6 months for 20%, one yeah for 25%, 3 years for 35%. I'd like to see this become a reality.

!PIZZA
properties (22)
authordbooster
permlinkre-taskmaster4450-r8k0u2
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 00:18:03
last_update2022-03-11 00:18:03
depth1
children0
last_payout2022-03-18 00:18:03
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length355
author_reputation569,834,258,549,540
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,213,272
net_rshares0
@demotruk ·
$0.07
I think this is in principle a good idea, but there is another risk. At the moment HBD is not a major source of Hive inflation because HBD savings are a very small part of the overall supply. If these bonds got very popular, they could quickly become a major part of the supply, and substantially increase Hive inflation.

As such, yes I think it's good as long as -

1. Witnesses can adjust APR.
2. Witnesses can disable creation of new bonds
3. Witnesses actively pay attention to these things and make adjustments when necessary.
👍  
properties (23)
authordemotruk
permlinkr8kpm7
categoryhive-167922
json_metadata{"app":"hiveblog/0.1"}
created2022-03-11 09:13:18
last_update2022-03-11 09:13:18
depth1
children2
last_payout2022-03-18 09:13:18
cashout_time1969-12-31 23:59:59
total_payout_value0.037 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length532
author_reputation268,382,980,896,242
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,222,908
net_rshares70,980,909,288
author_curate_reward""
vote details (1)
@taskmaster4450le ·
$0.14
That is true.  However, the risk is minimized because a portion of the HBD will be locked up and hence not able to be converted.

And the haircut rule is still in effect.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-demotruk-21cavb)
👍  
properties (23)
authortaskmaster4450le
permlinkre-demotruk-21cavb
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-demotruk-21cavb"}
created2022-03-11 14:21:09
last_update2022-03-11 14:21:09
depth2
children1
last_payout2022-03-18 14:21:09
cashout_time1969-12-31 23:59:59
total_payout_value0.072 HBD
curator_payout_value0.071 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length273
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,102
net_rshares132,631,263,010
author_curate_reward""
vote details (1)
@demotruk · 
It's not locked up forever. After a year, if HBD bonds proved highly popular, you could end up with substantially faster growing virtual hive supply (which could become realized into real hive supply over time).
properties (22)
authordemotruk
permlinkr8l48l
categoryhive-167922
json_metadata{"app":"hiveblog/0.1"}
created2022-03-11 14:29:09
last_update2022-03-11 14:29:09
depth3
children0
last_payout2022-03-18 14:29:09
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length211
author_reputation268,382,980,896,242
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,320
net_rshares0
@devpress ·
$0.08
Hive Savings Bond sounds like a good strategy. If it becomes something of trade golden ticket, which would make more companies and the enterprise attracted towards the stablecoin. I hope blocktrades also allows HBD to Binance USD stablecoin swap in it's interface, it would make buying CUB easier.
👍  
properties (23)
authordevpress
permlinkr8jg9l
categoryhive-167922
json_metadata{"app":"hiveblog/0.1"}
created2022-03-10 16:53:45
last_update2022-03-10 16:53:45
depth1
children1
last_payout2022-03-17 16:53:45
cashout_time1969-12-31 23:59:59
total_payout_value0.038 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length297
author_reputation55,061,325,071,240
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,202,141
net_rshares73,409,948,898
author_curate_reward""
vote details (1)
@taskmaster4450le · 
> I hope blocktrades also allows HBD to Binance USD stablecoin swap in it's interface, it would make buying CUB easier.

That would one to direct at the BT team.  Not sure but in the US there are all kinds of headaches with Binance.



Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-devpress-3ivwfm)
👍  
properties (23)
authortaskmaster4450le
permlinkre-devpress-3ivwfm
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-devpress-3ivwfm"}
created2022-03-10 17:17:57
last_update2022-03-10 17:17:57
depth2
children0
last_payout2022-03-17 17:17:57
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length337
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,202,691
net_rshares19,121,724,571
author_curate_reward""
vote details (1)
@ducecrypto · 
Love the premise of this plan. Seems to me very similar to what Terra is doing with their Terra & UST tokens and their different protocols like mirror and anchor. AS an American investor, the only thing I'm slightly concerned about is the lockup period, as there are some differing tax implications when you are in an open-ended savings instrument vs. a fixed-time savings instrument. Looking forward to more details about this implementation, and I feel like this is a great avenue to entice outside investors into the Hive ecosystem/blockchain, as well as incentivize current devs teams to work with Hive.
👍  
properties (23)
authorducecrypto
permlinkre-taskmaster4450-r8mwtw
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-12 13:44:21
last_update2022-03-12 13:44:21
depth1
children0
last_payout2022-03-19 13:44:21
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length608
author_reputation43,492,562,302,519
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,257,398
net_rshares279,725,012
author_curate_reward""
vote details (1)
@empress-eremmy · 
Am looking for a more definitive way of locking up my HBD anyways, so a potential 20-25% return would simply be an added incentive
properties (22)
authorempress-eremmy
permlinkr8lmkp
categoryhive-167922
json_metadata{"app":"hiveblog/0.1"}
created2022-03-11 21:05:18
last_update2022-03-11 21:05:18
depth1
children0
last_payout2022-03-18 21:05:18
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length130
author_reputation472,500,017,779,730
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,240,054
net_rshares0
@epic-fail ·
$0.07
YES! I would love this to become a feature!! Blog, claim rewards in 7 days and then add to savings all in one place.
👍  
properties (23)
authorepic-fail
permlinkr8kcz8
categoryhive-167922
json_metadata{"app":"hiveblog/0.1"}
created2022-03-11 04:40:18
last_update2022-03-11 04:40:18
depth1
children1
last_payout2022-03-18 04:40:18
cashout_time1969-12-31 23:59:59
total_payout_value0.036 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length116
author_reputation36,193,401,319,404
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,218,221
net_rshares70,925,165,251
author_curate_reward""
vote details (1)
@taskmaster4450le · 
Well you can do that already.  There is the savings account paying 12% which can receive your blog rewards.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-epic-fail-6kxzzg)
properties (22)
authortaskmaster4450le
permlinkre-epic-fail-6kxzzg
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-epic-fail-6kxzzg"}
created2022-03-11 14:31:06
last_update2022-03-11 14:31:06
depth2
children0
last_payout2022-03-18 14:31:06
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length211
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,377
net_rshares0
@epodcaster · 
>The old saying of anything multiplied by zero is still zero.

This is true of anything no matter whether it's in the real world, web2, or web3. It's always a possibility that something of value could change direction to no value at all. Which is why it is always a good reminder that something only has value if it both exists and we all agree it has value. Thanks for another thought-provoking post. Cheers!
👍  
properties (23)
authorepodcaster
permlinkre-taskmaster4450-r8o480
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-13 05:21:39
last_update2022-03-13 05:21:39
depth1
children0
last_payout2022-03-20 05:21:39
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length409
author_reputation40,234,981,482,187
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,276,870
net_rshares236,278,257
author_curate_reward""
vote details (1)
@ericburgoyne ·
$0.07
12% is great but double that would be wonderful and would attract a lot of

investors as well from outside of Hive. Great idea  hope this idea takes off.
👍  
properties (23)
authorericburgoyne
permlinkre-taskmaster4450-r8js38
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 21:09:09
last_update2022-03-10 21:09:09
depth1
children1
last_payout2022-03-17 21:09:09
cashout_time1969-12-31 23:59:59
total_payout_value0.036 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length153
author_reputation29,159,199,258,800
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,208,855
net_rshares70,689,263,371
author_curate_reward""
vote details (1)
@taskmaster4450le · 
I would think so.  Hard to beat a low risk, 25% return.

In fact, we could be involved and laugh at people who really dont know about it.  Think to ourselves "if they only knew".

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-ericburgoyne-3hvdst)
properties (22)
authortaskmaster4450le
permlinkre-ericburgoyne-3hvdst
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-ericburgoyne-3hvdst"}
created2022-03-10 22:34:18
last_update2022-03-10 22:34:18
depth2
children0
last_payout2022-03-17 22:34:18
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length285
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,210,941
net_rshares0
@ericpso · 
Yes, I think the Hive chain is in a good spot as a social blockchain; and I think that adding this bond system will probably draw in the audience that is interested in crypto to invest in stablecoins with good yield. 
The more people are interested, the bigger the Hive chain grows.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@ericpso/re-taskmaster4450-6jjm2m)
properties (22)
authorericpso
permlinkre-taskmaster4450-6jjm2m
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@ericpso/re-taskmaster4450-6jjm2m"}
created2022-03-11 19:53:24
last_update2022-03-11 19:53:24
depth1
children0
last_payout2022-03-18 19:53:24
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length382
author_reputation132,792,022,948
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,237,941
net_rshares0
@finguru · 
This is a mind blowing idea. Only anchor protocol provides 20% yield on $UST. But please not that you put your money in a smart contract that is prone to risks! 

Love it. I think we should work on it and get it released asap. Read my full feedback here:  https://leofinance.io/@finguru/hive-savings-bond-my-feedback-as-a-community-member

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@finguru/re-taskmaster4450-5a1eu7)
properties (22)
authorfinguru
permlinkre-taskmaster4450-5a1eu7
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@finguru/re-taskmaster4450-5a1eu7","links":["https://leofinance.io/@finguru/hive-savings-bond-my-feedback-as-a-community-member"]}
created2022-03-12 06:48:09
last_update2022-03-12 06:48:09
depth1
children0
last_payout2022-03-19 06:48:09
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length438
author_reputation358,211,814,021,785
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,250,216
net_rshares0
@gadrian ·
$0.07
At the general level I agree with this proposal and I believe it's a needed step forward in making HBD truly powerful.

There are a few details I'd like to address.

Locked HBD benefits of fixed yield for 365 days or that can fluctuate if witnesses change the interest rate?

The second situation. One locks up small amounts of HBD regularly (like daily). In 365 days before the first one expires, we would have 365 time-locked HBD contracts to manage for that account. That could be significant. So, some edge cases need to be considered.
👍  
properties (23)
authorgadrian
permlinkre-taskmaster4450-r8jmsr
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 19:14:51
last_update2022-03-10 19:14:51
depth1
children1
last_payout2022-03-17 19:14:51
cashout_time1969-12-31 23:59:59
total_payout_value0.036 HBD
curator_payout_value0.036 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length539
author_reputation379,311,213,063,130
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,205,432
net_rshares69,669,842,037
author_curate_reward""
vote details (1)
@taskmaster4450le · 
>Locked HBD benefits of fixed yield for 365 days or that can fluctuate if witnesses change the interest rate?

Yes that is part of the deal.  The rate at the time of deposit of HBD would carry through all 365.  It will not fluctuate.

>The second situation.

That info is available on the blockchain so the front ends would be the ones to sort that.  Perhaps some drop down menu that allows one to look at a calendar.  Maybe Hivestats could do something.

The point is it is all on chain so it is just a matter of someone building out something that reads is for the users.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-gadrian-77bq7c)
properties (22)
authortaskmaster4450le
permlinkre-gadrian-77bq7c
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-gadrian-77bq7c"}
created2022-03-10 20:49:54
last_update2022-03-10 20:49:54
depth2
children0
last_payout2022-03-17 20:49:54
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length675
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,208,246
net_rshares0
@hivehustlers ·
$0.08
I am in full agreement with this and think it needs to be looked at by @blocktrades or any of the other main core devs as an upgrade option. This would really set Hive apart because it is all at core levels. 

And the payout in HBD is the way! 

Love all this! 

I just wish there were more off ramps for HBD. But I pretty much have that covered through Tribaldex and #hive-engine where I go from HBD to BUSD then out through Binance.us. Actually the cheapest off ramp I have found. I really only lose a small percentage in the transfers. Much less than trying to go out through Coinbase.
👍  
properties (23)
authorhivehustlers
permlinkre-taskmaster4450-r8jeh7
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 16:15:06
last_update2022-03-10 16:15:06
depth1
children2
last_payout2022-03-17 16:15:06
cashout_time1969-12-31 23:59:59
total_payout_value0.038 HBD
curator_payout_value0.038 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length588
author_reputation27,440,663,533,034
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,201,292
net_rshares73,441,393,402
author_curate_reward""
vote details (1)
@taskmaster4450le ·
$0.22
Can always switch HBD to HIVE and then go through some of the channels too.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-hivehustlers-5dezvp)
👍  
properties (23)
authortaskmaster4450le
permlinkre-hivehustlers-5dezvp
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-hivehustlers-5dezvp"}
created2022-03-10 17:00:51
last_update2022-03-10 17:00:51
depth2
children1
last_payout2022-03-17 17:00:51
cashout_time1969-12-31 23:59:59
total_payout_value0.110 HBD
curator_payout_value0.109 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length182
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,202,332
net_rshares210,787,746,577
author_curate_reward""
vote details (1)
@hivehustlers ·
$0.11
I like going out through stablecoins... no capital gains to deal with, lol.
👍  
properties (23)
authorhivehustlers
permlinkre-taskmaster4450le-r8jh9w
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 17:15:33
last_update2022-03-10 17:15:33
depth3
children0
last_payout2022-03-17 17:15:33
cashout_time1969-12-31 23:59:59
total_payout_value0.053 HBD
curator_payout_value0.053 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length75
author_reputation27,440,663,533,034
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,202,635
net_rshares103,184,266,117
author_curate_reward""
vote details (1)
@iliyan90 ·
$0.07
@taskmaster4450

Is it true the same for bitcoin:

- Hive Shuts Down: 
If the blockchain completely stops, there is nothing to access. While this is unlikely since it only requires one person, somewhere in the world, running the software, it is a risk. If Hive disappears, all that is one it goes away. The same is true for any other blockchain.

If the electricity for the entire world goes off for let's say 2-3 hours, I mean 0 electricity at all...
That means it will delete all the crypto and blockchains there if I understand it well...
Is that right....?

Thank
👍  
properties (23)
authoriliyan90
permlinkre-taskmaster4450-2022311t101616832z
categoryhive-167922
json_metadata{"tags":["hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"],"app":"ecency/3.0.22-vision","format":"markdown+html"}
created2022-03-11 08:16:15
last_update2022-03-11 08:16:15
depth1
children2
last_payout2022-03-18 08:16:15
cashout_time1969-12-31 23:59:59
total_payout_value0.037 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length567
author_reputation139,403,337,868,520
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,221,984
net_rshares71,063,203,128
author_curate_reward""
vote details (1)
@taskmaster4450le ·
$1.47
The same would hold true for Bitcoin, if one person runs the software, the chain keeps going albeit not very secure at that point.

>If the electricity for the entire world goes off for let's say 2-3 hours, I mean 0 electricity at all...
That means it will delete all the crypto and blockchains there if I understand it well...

It wont delete it but the chains would run.  But then again, neither would the banks, supermarkets, or most other parts of life.

If all electricity went down, bigger problems than cryptocurrency.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-iliyan90-4av3qg)
👍  , , , , , , , , , ,
properties (23)
authortaskmaster4450le
permlinkre-iliyan90-4av3qg
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-iliyan90-4av3qg"}
created2022-03-11 14:19:00
last_update2022-03-11 14:19:00
depth2
children1
last_payout2022-03-18 14:19:00
cashout_time1969-12-31 23:59:59
total_payout_value0.736 HBD
curator_payout_value0.730 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length628
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,049
net_rshares1,348,565,418,259
author_curate_reward""
vote details (11)
@iliyan90 · 
@taskmaster4450le

Yep aggree :)
There are bigger problems if that happens...

So if something of that type happens, that means once we have the electricity back on the blockchain will continue running as normal?
- Just from curiosity so I can understand the store of content and text better...
If it's stored at the same time at the node of each miner...

It will continue running from the block before the electricity goes down...?

Thanks in advance...

Namaste :)
properties (22)
authoriliyan90
permlinkre-taskmaster4450le-2022311t162946849z
categoryhive-167922
json_metadata{"tags":["hive-167922","leofinance"],"app":"ecency/3.0.22-vision","format":"markdown+html"}
created2022-03-11 14:29:45
last_update2022-03-11 14:29:45
depth3
children0
last_payout2022-03-18 14:29:45
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length469
author_reputation139,403,337,868,520
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,333
net_rshares0
@india-leo ·
Indiaunited Curation 1646929089820
This post has been manually curated by @bhattg from Indiaunited community. Join us on our [Discord Server](https://discord.gg/bGmS2tE). 

Do you know that you can earn a passive income by delegating your Leo power to @india-leo account? We share 100 % of the curation rewards with the delegators. 

<sub>**Please contribute to the community by upvoting this comment and posts made by @indiaunited.**</sub>
properties (22)
authorindia-leo
permlinkindiaunited-1646929089820
categoryhive-167922
json_metadata{"app":"hiveblog/0.1","tags":["hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"]}
created2022-03-10 16:18:09
last_update2022-03-10 16:18:09
depth1
children0
last_payout2022-03-17 16:18:09
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length405
author_reputation4,842,389,631,167
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,201,343
net_rshares0
@industriousliv · 
Personally I would love the chance to make 25% for a year lockup of HBD. But if the goal is to increase the amount of HBD for use as a stable coin, isn’t 20 years for an increase to 1 billion a long time frame?  Seems a long wait for more wide spread acceptance.  I imagine other stable coins would be increasing over that twenty years and HBD might still be marginalized.
properties (22)
authorindustriousliv
permlinkre-taskmaster4450-2022311t103345673z
categoryhive-167922
json_metadata{"tags":["hive-167922","hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"],"app":"ecency/3.0.27-mobile","format":"markdown+html"}
created2022-03-11 15:33:45
last_update2022-03-11 15:33:45
depth1
children0
last_payout2022-03-18 15:33:45
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length373
author_reputation26,941,299,489,239
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,230,874
net_rshares0
@jacobpeacock ·
$0.48
The Hive Savings Bond is an interesting idea. Since the funds (in this example) would be locked for a year it would be neat if there was a way that they could operate the same way Hive Power does or at least add to the Hive Power mechanism somehow. I have no idea how that could be achieved but it might be an interesting thought experiment.
👍  , ,
properties (23)
authorjacobpeacock
permlinkre-taskmaster4450-r8ja80
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 14:43:12
last_update2022-03-10 14:43:12
depth1
children4
last_payout2022-03-17 14:43:12
cashout_time1969-12-31 23:59:59
total_payout_value0.242 HBD
curator_payout_value0.242 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length341
author_reputation244,653,127,480,757
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,199,005
net_rshares465,236,440,183
author_curate_reward""
vote details (3)
@taskmaster4450le ·
$0.45
Totally different utilities and user cases.

HP applies to governance and influence on the blockchain.  HBD has nothing to do with that.  Tying it is would only devalue one against the other.

With options comes choices.  People will need to choose between getting the return in HBD versus having influence on chain by scooping up HIVE and powering it up.

We all have different motives and needs.  Hence the more options will cater to a wider cross section.  

It is just like the Hive savings versus the bond, liquidity or return: people get to make that choice but there is a trade off.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-jacobpeacock-7gwxto)
👍  , , ,
properties (23)
authortaskmaster4450le
permlinkre-jacobpeacock-7gwxto
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-jacobpeacock-7gwxto"}
created2022-03-10 14:48:39
last_update2022-03-10 14:48:39
depth2
children3
last_payout2022-03-17 14:48:39
cashout_time1969-12-31 23:59:59
total_payout_value0.223 HBD
curator_payout_value0.222 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length696
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,199,160
net_rshares429,130,033,991
author_curate_reward""
vote details (4)
@jacobpeacock · 
Yup I am aware of this:

> Totally different utilities and user cases.

> HP applies to governance and influence on the blockchain. HBD has nothing to do with that. Tying it is would only devalue one against the other.

I am picturing (in this thought experiment) some of the interest from the bond being distributed as Hive Power.
properties (22)
authorjacobpeacock
permlinkre-taskmaster4450le-r8jd1k
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 15:44:09
last_update2022-03-10 15:44:09
depth3
children2
last_payout2022-03-17 15:44:09
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length332
author_reputation244,653,127,480,757
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,200,549
net_rshares0
@jfang003 ·
$0.32
I think it's a valid option. Will we have something similar to the bond market where people can sell off bonds if they need to liquidate without waiting for the yield?

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@jfang003/re-taskmaster4450-7kzqdv)
👍  ,
properties (23)
authorjfang003
permlinkre-taskmaster4450-7kzqdv
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@jfang003/re-taskmaster4450-7kzqdv"}
created2022-03-10 17:40:51
last_update2022-03-10 17:40:51
depth1
children1
last_payout2022-03-17 17:40:51
cashout_time1969-12-31 23:59:59
total_payout_value0.160 HBD
curator_payout_value0.159 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length268
author_reputation431,646,474,997,780
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,203,215
net_rshares306,481,539,696
author_curate_reward""
vote details (2)
@taskmaster4450le · 
>Will we have something similar to the bond market where people can sell off bonds if they need to liquidate without waiting for the yield?

At the base layer, no.  This is a true lock up in return for higher return.  If one wants liquidity, the savings option is the route to go.

That does not mean people will not set up second layer options.  If this became very successful, I would imagine people will develop some type of collateralized system to put it to use.  But that would be up to the innovation of some of the entrepreneurs.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-jfang003-6p5cmf)
properties (22)
authortaskmaster4450le
permlinkre-jfang003-6p5cmf
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-jfang003-6p5cmf"}
created2022-03-10 17:50:21
last_update2022-03-10 17:50:21
depth2
children0
last_payout2022-03-17 17:50:21
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length640
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,203,411
net_rshares0
@joetunex ·
$0.07
You just never know what will be developed on Hive next, the potential here is amazing vast. I feel we are going to look back at this time in the future and recall being part of the growth we will be enjoying in the future. 

Put all this into action and imagine the success of Hive, also imaging the sink it will have on HIVE...

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@joetunex/re-taskmaster4450-6hwnma)
👍  
properties (23)
authorjoetunex
permlinkre-taskmaster4450-6hwnma
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@joetunex/re-taskmaster4450-6hwnma"}
created2022-03-10 19:59:57
last_update2022-03-10 19:59:57
depth1
children1
last_payout2022-03-17 19:59:57
cashout_time1969-12-31 23:59:59
total_payout_value0.036 HBD
curator_payout_value0.036 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length430
author_reputation521,340,206,876,446
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,206,732
net_rshares69,640,714,367
author_curate_reward""
vote details (1)
@taskmaster4450le · 
It is an idea to try and position Hive to take advantage of the fixed income market.  We need a lot of HBD to truly become a legit stablecoin and have it used for commercial purposes so lets create it in a way that actually stabalizes the blockchain.

So far, the response is favorable.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-joetunex-4rpeiy)
properties (22)
authortaskmaster4450le
permlinkre-joetunex-4rpeiy
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-joetunex-4rpeiy"}
created2022-03-10 20:51:03
last_update2022-03-10 20:51:03
depth2
children0
last_payout2022-03-17 20:51:03
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length389
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,208,287
net_rshares0
@joshmackwilliams · 
This is probably a "noob question" as I really don't understand crypto economics, but here we go. 

As OP pointed out, most stablecoins are in the 12-20% range. So, what makes a higher 25% rate viable for HBD but not for those other projects?
properties (22)
authorjoshmackwilliams
permlinkr8l2z3
categoryhive-167922
json_metadata{"app":"hiveblog/0.1"}
created2022-03-11 14:01:51
last_update2022-03-11 14:01:51
depth1
children0
last_payout2022-03-18 14:01:51
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length242
author_reputation64,788,733,309
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,228,536
net_rshares0
@kim0412 · 
Thank you for good information.
properties (22)
authorkim0412
permlinkr8m1gd
categoryhive-167922
json_metadata{"app":"hiveblog/0.1"}
created2022-03-12 02:26:39
last_update2022-03-12 02:26:39
depth1
children0
last_payout2022-03-19 02:26:39
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length31
author_reputation13,705,101,438,824
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,246,160
net_rshares0
@klye · 
This would be a tall order on the current chain..  On an EVM based chain though..? 100% doable, I've got some solidity code sitting somewhere that would facilitate this. Only problem is until BT make his contracts or I can get HSC launched and running  it's not greatly feasibe.

Hell of an idea though. I'd gladly toss code at this to see the outcome.
properties (22)
authorklye
permlinkre-taskmaster4450-r8kdiu
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 04:52:39
last_update2022-03-11 04:52:39
depth1
children2
last_payout2022-03-18 04:52:39
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length352
author_reputation401,073,947,379,813
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,218,379
net_rshares0
@taskmaster4450le · 
The basic premise on the Hive is already in place.  We are basically adding a time lock feature to the existing savings account and a different APR.  This is not different than what is in place: 3 day lock up in wallet and the witness determined rate.

But yes, to get more expansive will require a second layer solution; things such as collateralization and other aspects.  But from the foundation we could build a host of applications to expand the capabilities.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-klye-4xraud)
properties (22)
authortaskmaster4450le
permlinkre-klye-4xraud
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-klye-4xraud"}
created2022-03-11 14:28:51
last_update2022-03-11 14:28:51
depth2
children1
last_payout2022-03-18 14:28:51
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length563
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,308
net_rshares0
@klye · 
Ah, yes. This is a nice way of explaining the whole thing. Admittedly I parsed the idea wrongly. Thank you for clearing it up for me captain!

Implementation of this on the first layer is likely totally doable, albeit I'm not strong enough at C style languages to attempt this quite yet.

The second layer / network enhancement via side chaining is likely our best bet. My stuff is still in the works, I'm way behind schedule though.

100% support your idea here though. Any useful financial tool / vehicle that can be implemented to make the network, and its sidechains more attractive.. the better.

It's my thought that the current HIVE chain will end up as our "blog" chain.. WIth the sidechains effectively acting as our bridge to other chains / catching us up with the standard.
👍  
properties (23)
authorklye
permlinkre-taskmaster4450le-r8nyu0
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-13 03:25:48
last_update2022-03-13 03:25:48
depth3
children0
last_payout2022-03-20 03:25:48
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length785
author_reputation401,073,947,379,813
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,274,867
net_rshares240,594,701
author_curate_reward""
vote details (1)
@lenonmc21 ·
$0.07
I like the idea, it would really open the doors for new investors looking for a stable currency in which to obtain a return. On the other hand, the utility for this specific addition, would be excellent, there are many ways to use this personally or for a project. I agree with this.
👍  
properties (23)
authorlenonmc21
permlinkre-taskmaster4450-2022311t32346976z
categoryhive-167922
json_metadata{"tags":["hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"],"app":"ecency/3.0.22-vision","format":"markdown+html"}
created2022-03-11 07:23:45
last_update2022-03-11 07:23:45
depth1
children2
last_payout2022-03-18 07:23:45
cashout_time1969-12-31 23:59:59
total_payout_value0.036 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length283
author_reputation426,570,214,816,616
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,221,031
net_rshares70,902,483,583
author_curate_reward""
vote details (1)
@taskmaster4450le · 
I have a feeling people will get creative with it.  This is something that we can really promote too.

Like anything, one person gets innovative with the use case and then others copy it.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-lenonmc21-7yhmz7)
properties (22)
authortaskmaster4450le
permlinkre-lenonmc21-7yhmz7
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-lenonmc21-7yhmz7"}
created2022-03-11 14:24:15
last_update2022-03-11 14:24:15
depth2
children1
last_payout2022-03-18 14:24:15
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length291
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,185
net_rshares0
@lenonmc21 · 
Exactly, if we think about the usefulness and use cases, there can be many, but in general, I agree with this implementation.
properties (22)
authorlenonmc21
permlinkre-taskmaster4450le-2022315t211423842z
categoryhive-167922
json_metadata{"tags":["hive-167922","leofinance"],"app":"ecency/3.0.22-vision","format":"markdown+html"}
created2022-03-16 01:14:18
last_update2022-03-16 01:14:18
depth3
children0
last_payout2022-03-23 01:14:18
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length125
author_reputation426,570,214,816,616
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,382,451
net_rshares0
@lesmann · 
I like it!
I believe it's the Perfect Idea!
👍🏼😊💸👍🏼💸😊👍🏼
properties (22)
authorlesmann
permlinkre-taskmaster4450-2022310t84841427z
categoryhive-167922
json_metadata{"tags":["hive-167922","hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"],"app":"ecency/3.0.27-mobile","format":"markdown+html"}
created2022-03-10 14:48:33
last_update2022-03-10 14:48:33
depth1
children4
last_payout2022-03-17 14:48:33
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length54
author_reputation173,817,293,265,404
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,199,154
net_rshares0
@taskmaster4450le · 
LOL Well I am not sure it is a perfect idea but it does seem sound.  

But thanks for the compliment.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-lesmann-zzffp)
properties (22)
authortaskmaster4450le
permlinkre-lesmann-zzffp
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-lesmann-zzffp"}
created2022-03-10 14:51:36
last_update2022-03-10 14:51:36
depth2
children3
last_payout2022-03-17 14:51:36
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length202
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,199,222
net_rshares0
@lesmann · 
Well, I think You covered it quite well, and it really should get the interest thing going!
👍🏼👍🏼👍🏼
properties (22)
authorlesmann
permlinkre-taskmaster4450le-2022310t85635370z
categoryhive-167922
json_metadata{"tags":["hive-167922","leofinance"],"app":"ecency/3.0.27-mobile","format":"markdown+html"}
created2022-03-10 14:56:27
last_update2022-03-10 14:56:27
depth3
children2
last_payout2022-03-17 14:56:27
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length99
author_reputation173,817,293,265,404
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,199,360
net_rshares0
@ligayagardener · 
!luv
properties (22)
authorligayagardener
permlinkre-taskmaster4450-202247t131553310z
categoryhive-167922
json_metadata{"tags":["hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"],"app":"ecency/3.0.22-vision","format":"markdown+html"}
created2022-04-07 03:45:54
last_update2022-04-07 03:45:54
depth1
children1
last_payout2022-04-14 03:45:54
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length4
author_reputation131,017,723,451,290
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id112,067,786
net_rshares0
@luvshares · 
@ligayagardener<sub>(1/1)</sub> gave you LUV. <a href="https://peakd.com/@luvshares/about" style="text-decoration:none"><img src="https://files.peakd.com/file/peakd-hive/crrdlx/AKU7oyCXxGwYyudB42kJ7JtoZ63bdeHvm4icoT9xdGNxA4i4BwudGyPvTQrEwPd.gif"></a> <a
    href="https://crrdlx.websavvy.work/" style="text-decoration:none">H-E tools</a> | <a 
    href="https://discord.gg/K5GvNhcPqR" style="text-decoration:none">connect</a> | <a href="https://peakd.com/c/hive-159259">community | <a href="https://ichthys.netlify.app" style="text-decoration:none"><><</a>
<br><center><a href="https://peakd.com/nftforpeace/@hivebuzz/nft-for-peace" target="_blank"><img src="https://files.peakd.com/file/peakd-hive/luvshares/242henrWsje7ivLwY3jxy15af3LJqvUzEmrEKAViGAowE1XsPqkDUuQ6QnwYpVJUWKN7c.gif"></a><br><a href="https://peakd.com/nftforpeace/@hivebuzz/nft-for-peace" target="_blank">HiveBuzz.me NFT for Peace</a></center>
properties (22)
authorluvshares
permlinkre-re-taskmaster4450-202247t131553310z-20220407t034651z
categoryhive-167922
json_metadata"{"app": "beem/0.24.26"}"
created2022-04-07 03:46:51
last_update2022-04-07 03:46:51
depth2
children0
last_payout2022-04-14 03:46:51
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length912
author_reputation5,176,330,319,206
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id112,067,802
net_rshares0
@manniman · 
It's impossible to predict the actual ways this might turn out. I think it'll be interesting to see how the direct listing of HBD on DEXs would be behaving as soon as strong demand appears for HBD. The HBD/HIVE transition process can be used to arbitrage against market movements to a certain degree, but who's able to use them properly and how much of the additional value would be drained by that. Can we put out open source software to run for independent arbitrage networks to participate in this?

It's for sure very interesting, I don't think there's anything like that out there. But of course it'll also be grounds for even more DEFI tools and YieldOptimizers, so let's do it - in my opinion. Bonds up to 4/5 years should be made available, I personally hold some Yield-Booster with a 2-4 Years lock up time on other platform. Usually when I make profits on a degen project, I'll try to lock some of the gains in a very long term auto compounding DEFI product on that particular network. To protect it from my personal greed or FOMO stupidity while making predictable good gains.
properties (22)
authormanniman
permlinkre-taskmaster4450-r8l4v6
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 14:42:51
last_update2022-03-11 14:42:51
depth1
children0
last_payout2022-03-18 14:42:51
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length1,087
author_reputation78,497,888,894,033
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,676
net_rshares0
@manniman · 
@muenchen will like this  :D
properties (22)
authormanniman
permlinkre-taskmaster4450-r8l5ex
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 14:54:51
last_update2022-03-11 14:54:51
depth1
children0
last_payout2022-03-18 14:54:51
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length28
author_reputation78,497,888,894,033
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,960
net_rshares0
@methodofmad ·
$0.33
Why not stagger the return? A 3 month lock, a 6 month lock, a 12 month lock? The investor can withdraw at each lock point, but the return percentage is different. Also, if it's a 1 year lock, is there a penalty for withdrawing early? Like a CD penalty?
👍  ,
properties (23)
authormethodofmad
permlinkre-taskmaster4450-r8kvtb
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 11:27:18
last_update2022-03-11 11:27:18
depth1
children2
last_payout2022-03-18 11:27:18
cashout_time1969-12-31 23:59:59
total_payout_value0.166 HBD
curator_payout_value0.165 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length252
author_reputation14,813,241,363,363
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,224,969
net_rshares307,387,004,880
author_curate_reward""
vote details (2)
@taskmaster4450le · 
Adding different layers with different yields is something that can be looked at in the future.  The key is to get one thing started and take it from there.

But you are right, there is no reason why other terms cannot be added.  We can create an entire fixed income investment tree.

As of now, it is the commitment for the 365 days.  Something could be added later or a second layer solution might actually be created to get these assets liquid.  A few different ways that could go.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-methodofmad-xqmaa)
properties (22)
authortaskmaster4450le
permlinkre-methodofmad-xqmaa
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-methodofmad-xqmaa"}
created2022-03-11 14:23:27
last_update2022-03-11 14:23:27
depth2
children1
last_payout2022-03-18 14:23:27
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length589
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,154
net_rshares0
@methodofmad · 
Maybe the term can be assumable by someone else. For example, the remaining three months can be sold to someone else. As long as the remainder is purchased, the HBD stays locked up. The seller has liquidity and the buyer has a guarantee rate for a shorter term.
properties (22)
authormethodofmad
permlinkre-taskmaster4450le-r8l8rm
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 16:07:03
last_update2022-03-11 16:07:03
depth3
children0
last_payout2022-03-18 16:07:03
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length261
author_reputation14,813,241,363,363
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,231,790
net_rshares0
@molometer ·
$0.08
The fact that the asset can be cross collateralized almost infinitely makes for a compelling proposition. 
Of course the danger that comes with that is the same as what happened in 2007-8 with the housing market. 

Cross collateralized assets from other tokens should be thoroughly examined before being accepted into the program thus avoiding lumping a pile of shit coins into the proposed hbd bond.

Other than that point I think the hbd bond is a brilliant idea. Well explained.👍
👍  
properties (23)
authormolometer
permlinkr8kz1n
categoryhive-167922
json_metadata{"app":"hiveblog/0.1"}
created2022-03-11 12:37:00
last_update2022-03-11 12:37:00
depth1
children0
last_payout2022-03-18 12:37:00
cashout_time1969-12-31 23:59:59
total_payout_value0.038 HBD
curator_payout_value0.038 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length482
author_reputation141,729,433,175,391
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,226,518
net_rshares71,168,045,366
author_curate_reward""
vote details (1)
@muratkbesiroglu · 
I agree on the importance of the HBD bonding idea. I think it will have a positive impact on Hive price.

When I look at the HBD bonding concept from an investor's point of view, 1 year seems like a very long term. If there are options such as 20% return for 1 year, 18% return for 3 months, 15% return for 1 month, it can appeal to a wider investor group. Thus, the total average cost of the funding would decrease.
properties (22)
authormuratkbesiroglu
permlinkre-taskmaster4450-r8khw0
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 06:26:27
last_update2022-03-11 06:26:27
depth1
children0
last_payout2022-03-18 06:26:27
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length416
author_reputation965,812,973,271,119
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,219,911
net_rshares0
@myfreebtc ·
$0.07
I would definitely buy the HBD bonds if they existed. I have no hurry to collect my principal, I intend to live only of the dividends. Having the bonds would allow me to have a steady income every month at a very appealing rate!
👍  
properties (23)
authormyfreebtc
permlinkre-taskmaster4450-r8jvip
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 22:23:15
last_update2022-03-10 22:23:15
depth1
children1
last_payout2022-03-17 22:23:15
cashout_time1969-12-31 23:59:59
total_payout_value0.036 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length228
author_reputation69,992,990,585,485
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,210,682
net_rshares70,560,637,581
author_curate_reward""
vote details (1)
@taskmaster4450le · 
Yeah. Depositing HBD and then collecting 25% APR is not the worst thing in the world.  I have a feeling it would generate a lot of activity and excite people.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-myfreebtc-38sbnb)
properties (22)
authortaskmaster4450le
permlinkre-myfreebtc-38sbnb
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-myfreebtc-38sbnb"}
created2022-03-10 22:33:36
last_update2022-03-10 22:33:36
depth2
children0
last_payout2022-03-17 22:33:36
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length262
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,210,919
net_rshares0
@nextgen622 · 
Yes, totally agree with this move. The main issue we need to resolve if we are to get adoption around HBD is to get it on more exchanges and stablize the peg. Once we have a genuine peg, HBD could really take off.
properties (22)
authornextgen622
permlinkr8kbfg
categoryhive-167922
json_metadata{"app":"hiveblog/0.1"}
created2022-03-11 04:06:54
last_update2022-03-11 04:06:54
depth1
children1
last_payout2022-03-18 04:06:54
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length213
author_reputation457,147,688,118,588
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd0
post_id111,217,613
net_rshares0
@taskmaster4450le · 
The problem with exchanges is the lack of demand for both HIVE and HBD.  This could help to change that. 

Of course, with more DeFi options, the need for exchanges (centralized) is diminishing.  That said, to pull in big money, CEX accessibility is vital.

We will see if something like this stimulates things on that end.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-nextgen622-julvz)
properties (22)
authortaskmaster4450le
permlinkre-nextgen622-julvz
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-nextgen622-julvz"}
created2022-03-11 14:30:39
last_update2022-03-11 14:30:39
depth2
children0
last_payout2022-03-18 14:30:39
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length427
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,358
net_rshares0
@odessamama · 
Thanks. You touch important issues.  Just few words  commenting "Risks
There are risks to everything... "  Based on my current sad experience, the biggest risk is the unstable world. I'm in Ukraine, and most of the bis-s  just evaporated with banks accounts and biz-plans. I feel happy  still the internet is on. So the war is the biggest risk. Let's pray for peace and progressing life, biz and other good things )))
properties (22)
authorodessamama
permlinkre-taskmaster4450-hive-savings-bond-need-community-feedback-20220312t105738036z
categoryhive-167922
json_metadata{"community":"waivio","app":"waivio/1.0.0","format":"markdown","timeOfPostCreation":1647082661037,"tags":["hive-167922"],"users":[],"links":[],"image":[],"wobj":{"wobjects":[]}}
created2022-03-12 10:57:39
last_update2022-03-12 10:57:39
depth1
children0
last_payout2022-03-19 10:57:39
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length418
author_reputation71,221,464,797,604
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,254,241
net_rshares0
@olympicdragon ·
$0.08
Hbd is awesome. I know you mentioned that it can go to zero if hive is not worth anything. Crypto is risky so best thing is to stick to what you know. At least with hive there's been a ton of improvement and really amazing team behind it. There been so much transparent behind it. There's much potential !
👍  
properties (23)
authorolympicdragon
permlinkre-taskmaster4450-2022311t04516740z
categoryhive-167922
json_metadata{"tags":["hive-167922","hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"],"app":"ecency/3.0.27-mobile","format":"markdown+html"}
created2022-03-10 16:45:18
last_update2022-03-10 16:45:18
depth1
children1
last_payout2022-03-17 16:45:18
cashout_time1969-12-31 23:59:59
total_payout_value0.038 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length305
author_reputation33,642,171,440,484
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,201,970
net_rshares73,393,253,091
author_curate_reward""
vote details (1)
@taskmaster4450le · 
It is always worthy to mention the risks.

With this, I view it as very small.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-olympicdragon-5mzm1t)
properties (22)
authortaskmaster4450le
permlinkre-olympicdragon-5mzm1t
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-olympicdragon-5mzm1t"}
created2022-03-10 17:08:03
last_update2022-03-10 17:08:03
depth2
children0
last_payout2022-03-17 17:08:03
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length186
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,202,481
net_rshares0
@oriongg · 
A Hive Savings Bond is a viable project taking into consideration the reasons stated. Certain risks need to be taken in order to gain a better position against other stablecoins. The risk that you run is the same that you get when participating with any blockchain. Therefore I would have no problem saving my HBD for better performance. This would give us better stability in the market

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@oriongg/re-taskmaster4450-7nvpbv)
properties (22)
authororiongg
permlinkre-taskmaster4450-7nvpbv
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@oriongg/re-taskmaster4450-7nvpbv"}
created2022-03-11 07:06:48
last_update2022-03-11 07:06:48
depth1
children0
last_payout2022-03-18 07:06:48
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length487
author_reputation26,405,146,509,392
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,220,579
net_rshares0
@pixresteemer · 
<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 96 of my [contest](/hive-179017/@pixresteemer/the-re-hive-contest-results-week-95-and-start-week-96) just started...you can now check the winners of the previous week!</center><center>!BEER</center><center><sub>1</sub></center>
properties (22)
authorpixresteemer
permlink20220310t143640521z
categoryhive-167922
json_metadata{"tags":["archon","pixresteemer"],"app":"pixresteemer"}
created2022-03-10 14:36:42
last_update2022-03-10 14:36:42
depth1
children0
last_payout2022-03-17 14:36:42
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length464
author_reputation121,070,950,034,577
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,198,820
net_rshares0
@pizzabot · (edited)
RE: Hive Savings Bond: Need Community Feedback
<center>PIZZA! PIZZA! 


PIZZA Holders sent <strong>$PIZZA</strong> tips in this post's comments:
@thinkrdotexe<sub>(1/5)</sub> tipped @taskmaster4450 (x1)
dbooster tipped taskmaster4450 (x1)


<sub>You can now send $PIZZA tips in <a href="https://discord.gg/hivepizza">Discord</a> via tip.cc!</sub></center>
properties (22)
authorpizzabot
permlinkre-hive-savings-bond-need-community-feedback-20220311t001912z
categoryhive-167922
json_metadata"{"app": "beem/0.24.26"}"
created2022-03-11 00:19:12
last_update2022-03-11 19:06:27
depth1
children0
last_payout2022-03-18 00:19:12
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length308
author_reputation6,158,205,626,770
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,213,291
net_rshares0
@poshtoken · (edited)
https://twitter.com/viennalex/status/1501933520893083656
https://twitter.com/edwing357/status/1501947678648717314
https://twitter.com/Steemadi_/status/1502224253521113088
<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 (23)
authorposhtoken
permlinkre-taskmaster4450-hive-savings-bond-need-community-feedback-1724
categoryhive-167922
json_metadata"{"app":"Poshtoken 0.0.1"}"
created2022-03-10 14:57:03
last_update2022-03-11 10:13:06
depth1
children0
last_payout2022-03-17 14:57:03
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length358
author_reputation3,941,589,338,614,971
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries
0.
accountreward.app
weight10,000
max_accepted_payout1,000,000.000 HBD
percent_hbd0
post_id111,199,376
net_rshares7,931,094,142
author_curate_reward""
vote details (1)
@pravesh0 · 
I like it. More options for the users and better utility of HBD. It makes sense too.
properties (22)
authorpravesh0
permlinkre-taskmaster4450-2022311t154521494z
categoryhive-167922
json_metadata{"tags":["hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"],"app":"ecency/3.0.22-vision","format":"markdown+html"}
created2022-03-11 10:15:21
last_update2022-03-11 10:15:21
depth1
children0
last_payout2022-03-18 10:15:21
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length84
author_reputation342,316,125,827,764
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,223,854
net_rshares0
@quinnertronics · 
I'm still down with this idea, of course...and maybe it should have the option to compound for even higher interest, instead of monthly liquid payouts it whatever
properties (22)
authorquinnertronics
permlinkre-taskmaster4450-r8kkym
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 07:32:45
last_update2022-03-11 07:32:45
depth1
children2
last_payout2022-03-18 07:32:45
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length162
author_reputation62,376,638,275,823
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,221,208
net_rshares0
@taskmaster4450le · 
Well you can always put the payments back in.

I would imagine the reinvest might be something the front ends could program in. 

Again, those are all options that can be discussed and looked at because of this being implemented.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-quinnertronics-6yxysb)
properties (22)
authortaskmaster4450le
permlinkre-quinnertronics-6yxysb
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-quinnertronics-6yxysb"}
created2022-03-11 14:25:06
last_update2022-03-11 14:25:06
depth2
children1
last_payout2022-03-18 14:25:06
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length338
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,208
net_rshares0
@quinnertronics · 
Soitenly! I just wanted to throw my ideas out there, in case some hive big wig "somebody"reads my post  and is looking for ideas!
properties (22)
authorquinnertronics
permlinkre-taskmaster4450le-r8l53h
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 14:47:42
last_update2022-03-11 14:47:42
depth3
children0
last_payout2022-03-18 14:47:42
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length129
author_reputation62,376,638,275,823
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,792
net_rshares0
@r1s2g3 · 
>For those who are in their 30s or 40s, this could be a very powerful opportunity. If one looks at investing regularly into something like this, the 25% return would compound into a big number by the time one reaches his or her mid-60s. In the US, one can put in about $7K into an IRA. Doing something similar to that over 20 year, at 25%, will turn into millions.

I am actually looking for same. A million USD before retirement and mitigating the volatility.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@r1s2g3/re-taskmaster4450-3hpvd)
properties (22)
authorr1s2g3
permlinkre-taskmaster4450-3hpvd
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@r1s2g3/re-taskmaster4450-3hpvd"}
created2022-03-12 10:54:12
last_update2022-03-12 10:54:12
depth1
children0
last_payout2022-03-19 10:54:12
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length558
author_reputation337,548,229,528,071
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,254,188
net_rshares0
@riandeuk · 
While this sounds amazing, 25% on a stable coin in your own wallet with relatively low risk, who wouldn't want that? Even if it is not the great moon shot APY many are hunting for.
There's a time to build wealth and there comes a time to preserve wealth.

However, I'm afraid I still fail to understand where this 25% is coming from. I assume it is a similar mechanic to the current 12 HBD savings rate but somehow it feels like creating magic money out of thin air just because it's decided that it returns 25%. 

Would love to learn some more on this matter as I've probably missed posts on HBD and the interest so if anyone is able to point to and older post or the general direction to search in it would be much appreciated! :-)

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@riandeuk/re-taskmaster4450-6ane7d)
properties (22)
authorriandeuk
permlinkre-taskmaster4450-6ane7d
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@riandeuk/re-taskmaster4450-6ane7d"}
created2022-03-11 11:21:36
last_update2022-03-11 11:21:36
depth1
children0
last_payout2022-03-18 11:21:36
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length834
author_reputation5,997,144,484,538
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,224,873
net_rshares0
@riz611 ·
$0.08
It all sounds like a bloody good start to me. I see a lot of potential for HBD, Hive too, but Hive itself is already on the right path in my eyes. HBD though, I think it deserves a bit more love and attention. 

This new idea about the Bond does make things a bit more interesting. And if both the current flexible Savings option and the Bond option are available to the users, then I just see HBD getting more attention. More people coming in to invest in HBD, for both long and short term, which in my eyes is much needed.

Also, 25% APR is no joke, whether it be an ALT or a stable coin. Since HBD is backed by Hive and does tend to move up and down a bit, therefore 25% does sound quite good. Even I myself see some proper potential and wouldn't mind locking up some HBD for a year or two. And as you mentioned about compounding, if it is all done right and if Hive does keep on growing as it is now. Then there's surely some huge potential long-term for the ones investing in HBD.

From whatever amateur level knowledge I have about Hive and Crypto itself, that's probably all I can add to the topic, my 2 cents. Cheers 🥃
👍  
properties (23)
authorriz611
permlinkre-taskmaster4450-r8jdpc
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 15:58:27
last_update2022-03-10 15:58:27
depth1
children4
last_payout2022-03-17 15:58:27
cashout_time1969-12-31 23:59:59
total_payout_value0.038 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length1,126
author_reputation346,664,830,710,181
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,200,876
net_rshares72,981,370,513
author_curate_reward""
vote details (1)
@taskmaster4450le · 
Thanks for your reply. 

I am not sure if you get this point but the movement of HIVE, up or down, as it pertains to HBD is not relevant.  If the price goes up, then less HIVE/HBD is given on conversion.  When HIVE goes down, more is received for each HBD.

So the swing in price only affects the amount one receives in HIVE, not the value of the backing.  That is where the stability is designed to come from.

I agree, it does make it more attractive to people both inside and outside of Hive.

25% is a strong return with little downside risk.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-riz611-4xjpjy)
properties (22)
authortaskmaster4450le
permlinkre-riz611-4xjpjy
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-riz611-4xjpjy"}
created2022-03-10 16:08:39
last_update2022-03-10 16:08:39
depth2
children3
last_payout2022-03-17 16:08:39
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length647
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,201,153
net_rshares0
@riz611 · 
> So the swing in price only affects the amount one receives in HIVE, not the value of the backing. That is where the stability is designed to come from.

Ahh, didn't know that, learning something new everyday haha.

> 25% is a strong return with little downside risk.

25% is really good, whether it be just Crypto or out there in the "real world". Combined with compounding, it can give back some impressive returns.
properties (22)
authorriz611
permlinkre-taskmaster4450le-r8jf5n
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 16:29:51
last_update2022-03-10 16:29:51
depth3
children2
last_payout2022-03-17 16:29:51
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length419
author_reputation346,664,830,710,181
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,201,581
net_rshares0
@rzc24-nftbbg · 
> We are dealing with a base-layer, algorithmic driven stablecoin with no counterparty risk. It is also tied to a decentralized blockchain with no foundation, company, or venture capital firm behind it. With all the talk about regulation, this is removing that entirely.

Most of the ideas presented are beyond me, but this one somehow makes me feel safe.  

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@rzc24-nftbbg/re-taskmaster4450-5rdjum)
properties (22)
authorrzc24-nftbbg
permlinkre-taskmaster4450-5rdjum
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@rzc24-nftbbg/re-taskmaster4450-5rdjum"}
created2022-03-11 14:27:48
last_update2022-03-11 14:27:48
depth1
children0
last_payout2022-03-18 14:27:48
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length462
author_reputation91,380,944,861,282
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,287
net_rshares0
@sagarkothari88 · 
`Hive Savings Bond` - Is it proposed feature or ready for everyone to use?
If it's ready for use (production) - How do I create a Hive Savings Bond?
👍  
properties (23)
authorsagarkothari88
permlinkr8k30w
categoryhive-167922
json_metadata{"app":"hiveblog/0.1"}
created2022-03-11 01:05:21
last_update2022-03-11 01:05:21
depth1
children0
last_payout2022-03-18 01:05:21
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length148
author_reputation266,188,383,604,439
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,214,250
net_rshares12,842,981,040
author_curate_reward""
vote details (1)
@samostically ·
$0.08
Wow, this is great! It would be  a great addition to the Blockchain.  It's high time for HBD to stand out there. We need it too. Plus this would help hive big time. Once Hbd becomes stable, I bet it will attract many big players . 

Also, it could help disciplined savings, if it is totally locked.  (Maybe for me actually).
👍  
properties (23)
authorsamostically
permlinkre-taskmaster4450-2022310t183436722z
categoryhive-167922
json_metadata{"tags":["hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"],"app":"ecency/3.0.21-vision","format":"markdown+html"}
created2022-03-10 17:34:39
last_update2022-03-10 17:34:39
depth1
children1
last_payout2022-03-17 17:34:39
cashout_time1969-12-31 23:59:59
total_payout_value0.038 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length325
author_reputation241,630,991,853,638
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,203,050
net_rshares73,487,665,839
author_curate_reward""
vote details (1)
@taskmaster4450le · 
Well people will have the choice.  Do you want to lock the HBD up, or not.  If one wants liquidity, then savings is the choice.  This is contrast with yield hunting.  If that is the option, then it exists too.

We give people choices and let them choose what fits them best.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-samostically-2r5f6f)
properties (22)
authortaskmaster4450le
permlinkre-samostically-2r5f6f
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-samostically-2r5f6f"}
created2022-03-10 17:39:18
last_update2022-03-10 17:39:18
depth2
children0
last_payout2022-03-17 17:39:18
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length381
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,203,174
net_rshares0
@sanjeevm ·
$0.07
> Hive Shuts Down

> If the blockchain completely stops, there is nothing to access. While this is unlikely since it only requires one person, somewhere in the world, running the software, it is a risk

How can one person shutdown the chain ?
👍  
properties (23)
authorsanjeevm
permlinkre-taskmaster4450-r8kqaj
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 09:27:57
last_update2022-03-11 09:27:57
depth1
children2
last_payout2022-03-18 09:27:57
cashout_time1969-12-31 23:59:59
total_payout_value0.037 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length242
author_reputation363,014,369,615,010
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,223,095
net_rshares70,938,480,391
author_curate_reward""
vote details (1)
@taskmaster4450le ·
$0.38
One person can.  It only requires one person to run the software to keep the chain going.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-sanjeevm-39jdvw)
👍  
properties (23)
authortaskmaster4450le
permlinkre-sanjeevm-39jdvw
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-sanjeevm-39jdvw"}
created2022-03-11 14:21:39
last_update2022-03-11 14:21:39
depth2
children1
last_payout2022-03-18 14:21:39
cashout_time1969-12-31 23:59:59
total_payout_value0.190 HBD
curator_payout_value0.189 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length192
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,113
net_rshares347,885,711,785
author_curate_reward""
vote details (1)
@sanjeevm · 
I thought the other way :) Thank you for the response.
properties (22)
authorsanjeevm
permlinkre-taskmaster4450le-r8l44f
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 14:26:42
last_update2022-03-11 14:26:42
depth3
children0
last_payout2022-03-18 14:26:42
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length54
author_reputation363,014,369,615,010
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,229,251
net_rshares0
@santigs ·
$0.08
I am confident those chains which have a great number of benefits in stablecoins will end up succeeding. I am even more convinced if those stablecoins are algorithmic instead of backed by centralized entities. We can take a look at Terra and its UST main stablecoin getting its USD pegged out of an algorithm and adding the Anchor protocol offering almost a 20% APR paid in UST. 

I see Hive has a potential opportunity there, our user base engagement is the strongest, things are growing strong with games such as Splinterlands and now with the expansion of Leo finance with Polycub and some other EVMs coming, and finally with SPK Network launching quite soon. 

Adding a 25% APR product on a Stablecoin will bring us to the highest yield for a stablecoin, if we spend some effort communicating it, we may see some big whales adding some of their liquidity into Hive and helping grow and stabilize it.

All I can see is the benefits out of it with basically the same risks as any other blockchain. But considering the old Hive is, and how it has been growing,  I think it is a great opportunity to consolidate the ecosystem growth.
👍  
properties (23)
authorsantigs
permlinkre-taskmaster4450-r8jd5p
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 15:46:39
last_update2022-03-10 15:46:39
depth1
children1
last_payout2022-03-17 15:46:39
cashout_time1969-12-31 23:59:59
total_payout_value0.038 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length1,133
author_reputation116,720,227,959,299
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,200,616
net_rshares72,951,707,988
author_curate_reward""
vote details (1)
@taskmaster4450le · 
It is true it will take promoting and talking to others about it.  The first leg will be the community stepping up and moving some of their resources onchain.  That is where the first wave needs to come from.

With a strong APR and little downside risk, it should be appealing to a lot of people.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-santigs-l6xtt)
properties (22)
authortaskmaster4450le
permlinkre-santigs-l6xtt
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-santigs-l6xtt"}
created2022-03-10 16:10:00
last_update2022-03-10 16:10:00
depth2
children0
last_payout2022-03-17 16:10:00
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length397
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,201,188
net_rshares0
@sinistry · 
So, I blabber about this periodically, and this brought it to mind.

We could also pair these bonds with DAOs to fund all kinds of cool projects that each generate a modest return to further enhance the bond holders returns.

For instance, a bond pays 25%, but a bond that lends to a DAO that uses that to fund something else could pay a base return of 30% +other incentives, profit sharing, etc…
properties (22)
authorsinistry
permlinkre-taskmaster4450-r8lb58
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-11 16:58:21
last_update2022-03-11 16:58:21
depth1
children0
last_payout2022-03-18 16:58:21
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length396
author_reputation12,379,602,229,484
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,233,013
net_rshares0
@thinkrdotexe · (edited)
RE: Hive Savings Bond: Need Community Feedback
I would absolutely take part in this! I already want to HODL my HBD, why not put it somewhere that'll "force" me to HODL and get bigger rewards for it? All for it. 

Have some !BEER & !PIZZA. Great article, you earned it!
properties (22)
authorthinkrdotexe
permlinkre-taskmaster4450-2022311t13415620z
categoryhive-167922
json_metadata{"tags":["hive-167922","hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"],"app":"ecency/3.0.27-mobile","format":"markdown+html"}
created2022-03-11 19:04:15
last_update2022-03-11 19:05:27
depth1
children0
last_payout2022-03-18 19:04:15
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length221
author_reputation12,467,213,732,765
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,236,092
net_rshares0
@tobetada ·
$0.08
yes, yes and yes! 25%, even the current 12% is amazing... I am all up for this innovation :)
👍  
properties (23)
authortobetada
permlinkre-taskmaster4450-r8jhn9
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 17:23:57
last_update2022-03-10 17:23:57
depth1
children2
last_payout2022-03-17 17:23:57
cashout_time1969-12-31 23:59:59
total_payout_value0.038 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length92
author_reputation520,969,199,342,709
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,202,813
net_rshares73,450,591,073
author_curate_reward""
vote details (1)
@taskmaster4450le · 
To me, it is a good layer to the fixed income market forming on Hive.

It might appeal to people outside to draw in more people.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-tobetada-4qnpbb)
properties (22)
authortaskmaster4450le
permlinkre-tobetada-4qnpbb
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-tobetada-4qnpbb"}
created2022-03-10 17:29:33
last_update2022-03-10 17:29:33
depth2
children1
last_payout2022-03-17 17:29:33
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length231
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,202,952
net_rshares0
@tobetada · 
exactly, and I think it has taken us this long to realize that with these kinds of incentives we can actually finally pull in more users which also solves the exposure problem of Hive
properties (22)
authortobetada
permlinkre-taskmaster4450le-r8jjcn
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 18:00:24
last_update2022-03-10 18:00:24
depth3
children0
last_payout2022-03-17 18:00:24
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length183
author_reputation520,969,199,342,709
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,203,668
net_rshares0
@uyobong ·
$0.08
Just the right muse at the right time. Soon, we could think of Hive bank where one can lease HBD to fund projects.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@uyobong/re-taskmaster4450-2lkmad)
👍  
properties (23)
authoruyobong
permlinkre-taskmaster4450-2lkmad
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@uyobong/re-taskmaster4450-2lkmad"}
created2022-03-11 13:36:24
last_update2022-03-11 13:36:24
depth1
children1
last_payout2022-03-18 13:36:24
cashout_time1969-12-31 23:59:59
total_payout_value0.038 HBD
curator_payout_value0.038 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length214
author_reputation678,728,639,088,916
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,227,997
net_rshares71,221,863,784
author_curate_reward""
vote details (1)
@taskmaster4450le · 
That could be something built on top if someone decided to.  Collateralization could certainly be used as a second layer solution.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-uyobong-579ae4)
properties (22)
authortaskmaster4450le
permlinkre-uyobong-579ae4
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-uyobong-579ae4"}
created2022-03-11 14:16:15
last_update2022-03-11 14:16:15
depth2
children0
last_payout2022-03-18 14:16:15
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length232
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,228,986
net_rshares0
@wdougwatson ·
$0.08
This is essentially a CD with a 25% yield and only a 1 year lock! 
This is an insane opportunity for the chain and for the users.

I'm liking the sound of this. Tradable bonds on a second layer might be an interesting option but with a 25% yield secured by the first layer we have an offer unparalleled in crypto or legacy finance so far as i know.

Make it so!
👍  
properties (23)
authorwdougwatson
permlinkre-taskmaster4450-r8jgcg
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.02.6"}
created2022-03-10 16:55:30
last_update2022-03-10 16:55:30
depth1
children1
last_payout2022-03-17 16:55:30
cashout_time1969-12-31 23:59:59
total_payout_value0.038 HBD
curator_payout_value0.037 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length362
author_reputation3,702,299,659,819
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,202,186
net_rshares73,418,655,643
author_curate_reward""
vote details (1)
@taskmaster4450le · 
I agree 100%.  It is a tremendous opportunity.

A layer 2 solution to trade could be very interesting indeed.  That would provide liquidity, albeit off chain, and could create a market for them.

The possibilities to keep adding are amazing.

We also could end up adding other layers; longer lock up for higher rates if we see the need for HBD increasing.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-wdougwatson-76bwcb)
properties (22)
authortaskmaster4450le
permlinkre-wdougwatson-76bwcb
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-wdougwatson-76bwcb"}
created2022-03-10 17:13:42
last_update2022-03-10 17:13:42
depth2
children0
last_payout2022-03-17 17:13:42
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length461
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,202,605
net_rshares0
@yeckingo1 ·
$0.49
I think this is another step in the right direction for the chain. This will allow to give more options to the users and improve the use of HBD. I definitely think this will increase the use of Hive as not just a social chain but an investment chain.
👍  , ,
properties (23)
authoryeckingo1
permlinkre-taskmaster4450-2022310t153722584z
categoryhive-167922
json_metadata{"tags":["hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"],"app":"ecency/3.0.21-vision","format":"markdown+html"}
created2022-03-10 14:36:27
last_update2022-03-10 14:36:27
depth1
children1
last_payout2022-03-17 14:36:27
cashout_time1969-12-31 23:59:59
total_payout_value0.247 HBD
curator_payout_value0.246 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length250
author_reputation134,137,305,962,273
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,198,807
net_rshares472,379,322,269
author_curate_reward""
vote details (3)
@taskmaster4450le ·
$0.17
> I definitely think this will increase the use of Hive as not just a social chain but an investment chain.

That is very true.  The entire idea is to make Hive an option for people's money.  That said, unlike a lot of DeFi, with Hive, we are dealing at the base layer.  No applications, no outside wallets, not additional tokens.

Just what is resident at the base layer (HIVE and HBD).  Plus it is powerful if Hive can get a footprint in the fixed income market.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-yeckingo1-2sxsdx)
👍  ,
properties (23)
authortaskmaster4450le
permlinkre-yeckingo1-2sxsdx
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-yeckingo1-2sxsdx"}
created2022-03-10 14:45:27
last_update2022-03-10 14:45:27
depth2
children0
last_payout2022-03-17 14:45:27
cashout_time1969-12-31 23:59:59
total_payout_value0.084 HBD
curator_payout_value0.083 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length568
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,199,069
net_rshares162,347,847,979
author_curate_reward""
vote details (2)
@yourfuture ·
$0.37
I'm now looking for yield farming models that are shorter than the APR time horizon, would it be possible to take out the bonded HBD per month? I'm not touching my savings at all now cause there's the fear of losing out the amount that would be paid out for me after one year at around July, so I was happy there was a rise from 10% to 12% at least a bit, something
👍  , ,
properties (23)
authoryourfuture
permlinkre-taskmaster4450-2022310t15471259z
categoryhive-167922
json_metadata{"tags":["hive-167922","hivesavingsbond","fixedincome","ctp","leofinance","cryptocurrency","proofofbrain","vyb","neoxian","mancave","archon"],"app":"ecency/3.0.27-mobile","format":"markdown+html"}
created2022-03-10 14:47:00
last_update2022-03-10 14:47:00
depth1
children2
last_payout2022-03-17 14:47:00
cashout_time1969-12-31 23:59:59
total_payout_value0.184 HBD
curator_payout_value0.183 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length365
author_reputation419,365,252,013
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,199,114
net_rshares353,550,007,591
author_curate_reward""
vote details (3)
@taskmaster4450le ·
$0.18
The interest claim would be monthly just like the savings.  The principle, however, is locked up.  

Once the interest is claimed, the individual has the choice to invest that back into the bond account, go to savings, or use the HBD to buy whatever.



Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@taskmaster4450le/re-yourfuture-5wrxc2)
👍  , ,
properties (23)
authortaskmaster4450le
permlinkre-yourfuture-5wrxc2
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@taskmaster4450le/re-yourfuture-5wrxc2"}
created2022-03-10 14:51:09
last_update2022-03-10 14:51:09
depth2
children1
last_payout2022-03-17 14:51:09
cashout_time1969-12-31 23:59:59
total_payout_value0.090 HBD
curator_payout_value0.090 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length357
author_reputation1,746,642,913,650,161
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,199,217
net_rshares174,536,869,991
author_curate_reward""
vote details (3)
@starkerz · 
Could you see liquidity from this being tied into the SIP @taskmaster4450?
properties (22)
authorstarkerz
permlinkr8l8um
categoryhive-167922
json_metadata{"users":["taskmaster4450"],"app":"hiveblog/0.1"}
created2022-03-11 16:08:51
last_update2022-03-11 16:08:51
depth3
children0
last_payout2022-03-18 16:08:51
cashout_time1969-12-31 23:59:59
total_payout_value0.000 HBD
curator_payout_value0.000 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length74
author_reputation62,589,303,625,351
root_title"Hive Savings Bond: Need Community Feedback"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id111,231,830
net_rshares0
Help/Feedback