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The APR On HBD Savings Should Not Be Lowered by taskmaster4450

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hive-167922 · @taskmaster4450 ·
$45.74
The APR On HBD Savings Should Not Be Lowered
There is a discussion taking place, along with a push, to lower the [APR](https://leofinance.io/@leoglossary/leoglossary-annual-percentage-return-apr) on HBD that is put into [savings](https://leofinance.io/@leoglossary/leoglossary-savings-account-hive).

In reading the reasoning in articles that were posted, I can only say this is wrong.  It is a fool's errand based upon a simplification of a complex issue.

Like most things dealing with [money](https://leofinance.io/@leoglossary/leoglossary-money), economics, and [finance](https://leofinance.io/@leoglossary/leoglossary-finance), it isn't as simple as people make it out.  I guess we are in the [social media](https://leofinance.io/@leoglossary/leoglossary-social-media), 24 hours news cycle.  In the financial world, networks consistently espouse the single reason why [markets](https://leofinance.io/@leoglossary/leoglossary-market) go up or down on a particular day when, in reality, it is never that simple.

In this article we will sift through the different component that should be in this discussion.

For reference, I will be using [this article](https://leofinance.io/@deathwing/decreasing-hbd-apr-and-posting-rewards-and-increasing-the-importance-of-hive-power-hp) by @deathwing and [this one](https://leofinance.io/@anomadsoul/dissecting-tokenomics-and-game-theory) by @anomadsoul. 

 https://images.hive.blog/DQmS8Uw4VwnBgQPbkPG3CzW9iAPLRjhxVG6r52ZiQDGQqe8/image.png 


## Yield Versus Speculation

From a finance perspective, we have to distinguish between HBD and [$HIVE](https://leofinance.io/@leoglossary/leoglossary-usdhive).

Here is a quote:

>Why would anyone invest in Hive when you can simply get HBD, lock it up, and get an easy 20% every year? To increase the importance of HIVE, I would like to propose to our community that we reduce HBD APR to a maximum of 12% (as I am signalling right now). The reasoning behind 12% is that even if you actively participate in curating content on Layer 1 on top of receiving passive inflation, the approximate yearly APR you're receiving on your Hive Power is about 10 to 11%. I am hoping that these numbers reinforce the aforementioned notion.

What is the APR on [Tesla](https://leofinance.io/@leoglossary/leoglossary-tesla)? Amazon? [Facebook](https://leofinance.io/@leoglossary/leoglossary-facebook)?  What do they pay out each year?

The answer is they do not.  The APR comes from the movement in the [stock](https://leofinance.io/@leoglossary/leoglossary-stocks) price.  

Here is the first major problem.  Trying to promote $HIVE based upon APR is misunderstanding the [coin](https://leofinance.io/@leoglossary/leoglossary-coins) from a financial perspective.  While there are dividend [investors](https://leofinance.io/@leoglossary/leoglossary-investor), most of your top stocks are bought because of speculation.  The dividend is a bonus unless, the stock goes down.  In fact, it is foolish to buy a stock based solely on the [dividend](https://leofinance.io/@leoglossary/leoglossary-dividend) because the price can go down in excess of the dividend [return](https://leofinance.io/@leoglossary/leoglossary-return-on-investment-roi).

Thus, the notion of looking at the APR on $HIVE doesn't make a lot of sense when it can go down by 25% (or more).  It simply is not an [asset](https://leofinance.io/@leoglossary/leoglossary-asset) that one seeks [yield](https://leofinance.io/@leoglossary/leoglossary-yield).

That is where HBD enters.  This is catering to a different market.  Not everyone wants to hold an asset that can decline 70% in a year.   In fact, the [bond](https://leofinance.io/@leoglossary/leoglossary-bond) market, which is make up of people seeking [yield](https://leofinance.io/@leoglossary/leoglossary-yield), is larger than the stock market.

Why would people buy $HIVE?  

The answer lies in the fact it is an access token (more on that in a bit).  But primarily, it is for the [price](https://leofinance.io/@leoglossary/leoglossary-price) to go up.

Bonds are commonly not compared to stocks because they are completely different markets and investors.  We should not do that on Hive.



## Medium Of Exchange

Another important factor is that HBD is a [medium of exchange](https://leofinance.io/@leoglossary/leoglossary-medium-of-exchange).  This is its most vital characteristic.

Since it is pegged, it provides the stability to operate as a [payment](https://leofinance.io/@leoglossary/leoglossary-payment) mechanism.  Thus, if we are going to develop a Hive [economy](https://leofinance.io/@leoglossary/leoglossary-economy), this is crucial.

Of course, for economic activity to occur, money is needed.  The problem with [HBD](https://leofinance.io/@leoglossary/leoglossary-hive-backed-dollar-hbd) is there is not enough of it.  Right now that is not a major issue since the utility is rather limited.

The idea of setting the APR on HBD based upon those put forth by other [stablecoins](https://leofinance.io/@leoglossary/leoglossary-stablecoin) makes little sense.  HDB has to be the foundation of the economy we are building.  Most of the others are built on second layers by centralized entities.  

One of the things we need to develop is [wealth](https://leofinance.io/@leoglossary/leoglossary-wealth) on Hive.  This is not done by messing with tokenomics or [monetization](https://leofinance.io/@leoglossary/leoglossary-monetization) factors.  These has a part obviously but there is something more concrete than that.

We need [commerce](https://leofinance.io/@leoglossary/leoglossary-commerce) and financial applications.  What would HBD look like if there was $10 million a day in [transactions](https://leofinance.io/@leoglossary/leoglossary-transaction) taking place?  $25M?  $100?  

What would that does for the [ecosystem](https://leofinance.io/@leoglossary/leoglossary-ecosystem-digital)?  More importantly, what would that do for the [value capture token](https://leofinance.io/@leoglossary/leoglossary-value-capture-token), i.e. $HIVE?

## Hive Marketing

This might seem like an odd component to put in a discussion about tokenomics but hear me out.

Look at this list:

* Verizon
* Saleforce
* Netflix
* Yahoo
* AirBNB
* Kellogg's

Do you think any single person or company ever decided to use one of those companies products because they were housing [data](https://leofinance.io/@leoglossary/leoglossary-data) on AWS servers?

Will anyone leave any of those companies if they switched to Microsoft?

The answer is obvious.

It also points out a problem within Hive.  While we want to talk about this like it is something special, it is nothing more than a decentralized [server](https://leofinance.io/@leoglossary/leoglossary-server-computer) system that allows for the storage of data.  

Anyone who reads my articles know I believe Hive is a [technology](https://leofinance.io/@leoglossary/leoglossary-technology) that is superior to most out there.  This is what sets us apart.

However, from a user standpoint, they do not care.  Netflix subscribers could give a crap where their [videos](https://leofinance.io/@leoglossary/leoglossary-video) are streamed from.  Their only concern is whether it comes through or not when they want them.

This is why the idea of Hive marketing is fruitless to end users.  Nobody is going to care no matter how many races have Hive plastered on it or how many movies you make.  Did anyone sign up for Facebook after seeing *The Social Network*.

Hive's success to users is going to come from the [applications](https://leofinance.io/@leoglossary/leoglossary-application).  Of course, we already say this with [Splinterlands](https://leofinance.io/posts/@leoglossary/what-is-splinterlands).  That game had a stretch with a lot of sign ups.  The reality is few cared about Hive.  These were there for a game and as long as it met the players needs, they returned.

Where the data was written became of no use.

Therefore, the best way to increase the value of $HIVE is to support those applications and games looking to grow the users.  That is where targeted marketing can occur.

We do have one exception which has never been, to my knowledge, ever discussed.  

Who would be interested in the back end capabilities of Hive and the underlying technical components?  [Developers](https://leofinance.io/@leoglossary/leoglossary-developer).

Have we ever had a marketing proposal designed to target them?  The answer is no.  Perhaps the timing is not right for that due to the ongoing development of HAF and certain levels are required for it to be fully promoted.



## Tokenomics

[Cryptocurrency](https://leofinance.io/@leoglossary/cryptocurrency) seems to have a cancer that is the idea that messing with the tokenomics leads to success.  We have seen it repeatedly over the years.

Here is it bluntly:  Few cared about $HIVE (or HP) before HBD was at 20% and it will be the same if it is changed.  

We have to stop believing that simply changing the tokenomics is going to make something valuable.  It doesn't.  

What is required is building.  For this to take place, people with a mindset need to approach Hive with the idea of creating a [business](https://leofinance.io/@leoglossary/leoglossary-business) utilizing the [base layer](https://leofinance.io/@leoglossary/leoglossary-base-layer-blockchain) features offered.  This includes account management, [wallet](https://leofinance.io/@leoglossary/leoglossary-wallet) system, HBD for payments, and [resource credits](https://leofinance.io/@leoglossary/leoglossary-resource-credits-rc) for access.

Most of cryptocurrency is focused upon adjusting the tokenomics instead of actually building applications and games that people want to use.  There were a few hits here and there but, overall, not much.

But then again, how often have you heard about people talking about growth rates, full blown marketing strategies with tactics, market share and unique service propositions?

These is commonly discussed in the business world yet we see little of it within cryptocurrency.  Instead, like we are doing here, the focus is tokenomics.  

That is the problem.

## Access Token

Here is the biggest issue with this entire proposition.

$HIVE brings a lot to the table.  When staked, it provides influence in both [governance](https://leofinance.io/@leoglossary/leoglossary-governance) and the [reward pool](https://leofinance.io/@leoglossary/leoglossary-reward-pool).  We do see how this can potentially translate into a return.

However, the main use case of [Hive Power (HP)](https://leofinance.io/@leoglossary/leoglossary-hive-power-hp) is access.  It allows people to interact with the chain.  If we want to get simplistic, here it is.

Once again, we are back to users.

This is another quote:

>This 20% APR is a huge tool that we could leverage to onboard investors into the Hive ecosystem, and yet we are currently not doing anything about this.

This is true although perhaps not the greatest area of promotion.  Nevertheless, it does emphasize a point that I brought up earlier.

If there is $25 million a day in the Hive economy that takes place in HBD, how much HP is going to be required?  This cannot be answered because 1 transaction is much different than 1 million.  However, the point is that the more success HBD has, the better it is for the other coin.

For some reason, it seems there is the mindset of these two coins being in competition with each other.

>Also remember, HBD is backed by Hive - not the other way around.

That is true.  But also remember, for every HBD transaction, HP is required somewhere.

## Not Enough HBD

To be a legitimate player in the stablecoin market, a lot more HBD is required.  The APR is one of the ways HBD expands.  

People question the sustainability of HBD.  There is a correlation to $HIVE since the [market caps](https://leofinance.io/@leoglossary/leoglossary-market-capitalization) are essentially interwoven.  However, it is a mistake to overlook the way successful HBD can impact the value of Hive.

The [blockchain](https://leofinance.io/@leoglossary/blockchain) needs transactions.  This is the simple premise.  Hive's success comes from blocks being filled with data.  If this occurs at a greater rate, then we are going to see a much more valuable coin.

Consider if Hive was doing 250 million transactions per day.  It matters little what they are for the sake of this discussion although we do know there is a difference in pricing of resource credits.  

What do you think the value of $HIVE would be at that rate?  I can guarantee a lot higher than it is now.

## In Conclusion

It is beneficial to have these discussions.  We should look at tokenomics periodically.  However, it seems this is the focus instead of really concentrating on growth.

My view is what is proposed is going to fail.  It will not alter the price of $HIVE one bit.  There might be a move higher based upon the market but that is it.

When the premise is to put an APR on a speculative asset, it is bound to fail.  As stated, you can bump the APR on HP to 15%, if the price goes from 30 cents to 15, how are people going to feel?

Also, if that price is hit, do you think people are going to buy $HIVE because it pays 15% or because they have a chance to double or triple their money.

Hopefully this article shows the situation is move convoluted that presented.  It is not as simple as people like to make it out.

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

logo by @st8z

* [What is Hive](https://leofinance.io/@leoglossary/leoglossary-what-is-hive)

Posted Using [LeoFinance Alpha](https://leofinance.io/@taskmaster4450/the-apr-on-hbd-savings-should-not-be-lowered)
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vote details (1000)
@antisocialist ·
$0.03
Why would people play a game where 20 accounts dominate 50% of the rewards intended to draw in newbs, not further enrich those that already have too much?
It's like hive failing is the goal.
It is working.

Who buys into a game that requires 1.9m usd invested to get to be a peer?
Assuming that that level of buying wouldn't push the price.

I've long advocated a 1000mv(36 accounts) voluntary cap on voting from the pool.
This would only require a 190k usd investment to be a peer in the pool.
Why would anybody invest 190k usd only to be diluted by folks with 10x(5 accounts) that amount?
This is not winning game economics, imo.

As long as the top 5 curators continue to vote rewards to those that dump, we can expect rewards to continue to be dumped.
As long as the top 5 curators continue to take 10x what anybody else gets, we can expect newbs to drop out because they get next to nothing.

Who plays a game that will never offer a level playing field in this lifetime?
Who buys into a game where some people take out 1000x the rewards everybody else gets for playing the same no talent, no luck game?
Let alone 10000x.

This is our reputation in the broader cryptosphere because it is true.
Everybody wants change, nobody wants to change.
👍  ,
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vote details (2)
@arcange · 
Great post and some really insightful points here.

I agree that we need to focus more on building applications rather than just playing with the tokenomics.  Building a stable Hive economy can only be done by relying on HBD as HIVE is way too volatile for now.

> Have we ever had a marketing proposal designed to target them? The answer is no. 

We had one: https://peakd.com/proposals/@behilarious/dev-marketing-proposal

Despite enthusiastic feedback, it failed to rise above the HBD stabilizer proposal and was not funded.

> ... for every HBD transaction, HP is required somewhere.

That's not really true. An account with 0HP can make some episodic transactions without a problem, especially if they are only financial transactions that are cheap to broadcast.<div><a href="https://engage.hivechain.app">![](https://i.imgur.com/XsrNmcl.png)</a></div>
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@bala41288 · 
I convinced a few of my friends to join hive for 20% APR from HBD. They are not active here and are passive investors. Reducing the APR would let them leave and I'm sure that would be the case with other passive investors too. 

Indians get 14% returns from this investment after our 30% tax. If the APR is reduced to 12%, the return is something that is already available in some safe investment schemes in the real world. So people might prefer that and take their HBD out.
👍  ,
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vote details (2)
@igormuba · 
12% yield on the dollar is an amazing return. My witness node is set to 16% but even if we go for 10%, which other witnesses are going for, it is still an amazing return.

India and Brazil seem to be similar in many aspects, Brazil has a 13% return, you said India has 14%, all my friends and I would rather take 10% on our US Dollar investment over 13% on our Brazilian Real investment just because historically the USD has outperform the BRL. I assume the 14% is on the Indian Rupee, right? I am not from India, but to me 12%, or even 10% on the USD sounds more attractive than 14% after tax on the INR.

Point is, even lowered HBD savings is among the best in the world and in the DeFi space. Your friends are allowed to leave, but in my opinion they will be missing out on great savings. Are you sure they would really honestly leave the double digit interest in USD? I wouldn't, my friends neither.
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@bitcoinflood ·
$0.31
> Here is it bluntly: Few cared about $HIVE (or HP) before HBD was at 20% and it will be the same if it is changed.

Are you trying to tell me people care more about hive now with the high 20% APR?

User retention is down, active users are down, hive price is down and HBD never holds peg and overall market cap has fallen. What brought hive prices up was an single application called Splinterlands. Want price increase give people a reason to want hive and to use it. Not this constant hyper inflation. 

At least that's my simple version of what I've been saying for a long time now.
👍  , , , , ,
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vote details (6)
@danielvehe · 
That's what the post says. It's the dapps that will bring people to Hive. How will lowering the APR of HBD bring dapps like Splinterlands?
properties (22)
authordanielvehe
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@demotruk · (edited)
User retention is actually [higher than ever](https://peakd.com/hive-133987/@demotruk/slight-improvement-in-brand-new-user-retention), but still not very good. Our current problem is a [chronic lack of new joiners](https://peakd.com/hive-193084/@demotruk/2gd3h9p96sdw5cww9nmk7w).



But I agree with your point, [Splinterlands has been the strongest identifiable driver of Hive price](https://peakd.com/hive-167922/@demotruk/does-splinterlands-drive-the-price-of-hive-or-does-hive-drive-user-activity-on-splinterlands), the impact of high HBD APR is totally unclear.
👍  
properties (23)
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vote details (1)
@bitcoinflood ·
$0.07
There's been a lot of new sign ups but I feel it's mainly other applications like Splinterlands so they don't care all to much about hive itself. I could be wrong though we for sure lack some data.
👍  
properties (23)
authorbitcoinflood
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vote details (1)
@jelly13 · 
Authors =/= Users
properties (22)
authorjelly13
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@jelly13 · 
It is so sad to watch people (incl. taskmaster) work hard on creating HBD circular economies and then watch other people (incl. taskmaster) work hard on locking as much HBD in savings (ie. out of circulation) as possible. Civil War 3.0
properties (22)
authorjelly13
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@mobbs · 
I just don't think that's true at all. I have $2,000 in savings, but the majority is in HP and a good chunk off platform for trading. I'm hedging my bets with different benefits to each. 

HP can potentially double in value over time, HBD cannot. I get a trickle of return on my HP being active, HBD does not. Liquid Hive can double in a 3-hour pump & dump. HBD cannot. 

People who put 100% into HBD will regret it, and people who go 100% into HP will regret it, both for different reasons. So there's value in both regardless
properties (22)
authormobbs
permlinkre-jelly13-rzzp35
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@taskmaster4450le · 
It is sad when people talk about stuff and have no clue what they are talking about. 

So putting one's money in saving is something that one should not do?
properties (22)
authortaskmaster4450le
permlinkre-jelly13-2kxsdyz1j
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@taskmaster4450le · 
>Are you trying to tell me people care more about hive now with the high 20% APR?

Not people are trying to claim that lowering the APR is going to drive value to Hive.

HBD always holds its peg.  It is redeemable for $1 worth of Hive.  When has that not been the case in the last 18 months?
👍  
properties (23)
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vote details (1)
@woelfchen · 
why do you guys just keep ACTING __AS IF__ YOU KNEW ?

show me the evidence that everything was because solely thanks to splinterlands alone

I never even fucking touched that pokemon clone
BECAUSE I AM INTERESTED IN OTHER STUFF
especially the most basics of stuff (also related to my situation, I have pain, no home, am being criminalized - but people are happy as long as they got bread and games)

but you guys seem so lost with your happy normal lifes
👍  
properties (23)
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vote details (1)
@yecier · 
You really don't know what hyperinflation is 😅
properties (22)
authoryecier
permlinkre-bitcoinflood-2023825t12412407z
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json_metadata{"tags":["hive-167922","hbd","hivepower","ctp","archon","mancave","neoxian","proofofbrain","leofinance"],"app":"ecency/3.0.36-vision","format":"markdown+html"}
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@bitcoinman · 
> Here is a quote:
Why would anyone invest in Hive when you can simply get HBD, lock it up, and get an easy 20% every year? To increase the importance of HIVE, I would like to propose to our community that we reduce HBD APR to a maximum of 12% (as I am signalling right now). The reasoning behind 12% is that even if you actively participate in curating content on Layer 1 on top of receiving passive inflation, the approximate yearly APR you're receiving on your Hive Power is about 10 to 11%. I am hoping that these numbers reinforce the aforementioned notion.

That's the worst justification ever 🤣 HBD is nothing without hive and it does nothing but add to the value of hive and the longer and better it holds the peg the more value it bring to hive, an argument about inflation would be better but if we can sustain 20% especially as it scales it's going to become a very attractive savings account for many more people inside and outside the crypto space.
👍  
properties (23)
authorbitcoinman
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vote details (1)
@cashheaven · 
Hi @taskmaster4450 good job on your analysis and very detailed discussion this lowering HBD APR issue.

When would we know if the lowering of HBD APR is final? I would like to know so I can have a date to check again if I will still want to add $10k HBD on my wallet savings?

I wanted to add $10k HBD since last week, but I've been seeing blogs talking about this issue so I held back. I'll wait for the final decision if APR will retain to 20%.
properties (22)
authorcashheaven
permlinkre-taskmaster4450-s06ga5
categoryhive-167922
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@claudio83 · 
There was a time when we all argued about the importance of increasing $HBD's capitalization.

Now we are reshuffling the cards. Doubtful large, uncertain $HBD investors could sell $HBD and $HIVE to exit the project entirely. And the price of $HIVE would continue to fall.
properties (22)
authorclaudio83
permlinkre-taskmaster4450-rzzkgc
categoryhive-167922
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@cryptictruth · 
I'd like to see it lowered based on my comments on Edict's most recent post.
properties (22)
authorcryptictruth
permlinkre-taskmaster4450-s00uod
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@cryptogee · 
Lol, massive post about the HBD apr and here's me hasn't received an interest payment in 3 months and have only ever received two. The system is bugged.

*Cg*
properties (22)
authorcryptogee
permlinkrzzn1b
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@mobbs · 
Apparently you have zero HBD? lol
properties (22)
authormobbs
permlinkre-cryptogee-rzztzw
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@mrtats · 
> Lol, massive post about the HBD apr and here's me hasn't received an interest payment in 3 months and have only ever received two. The system is bugged.

You have to claim your interest payment, it is not automatic.
properties (22)
authormrtats
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@danielvehe · 
Thank you for this publication. I will spread it like wildfire in my groups. I think we have a lot of witness developers and we need some entrepreneurs with finance experience. I hope you will form a witness to support you.
properties (22)
authordanielvehe
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@davedickeyyall ·
$0.03
I knew you'd weigh in eventually.  Yours is probably one of the most respected opinions on the blockchain.. curious how come you're not running a witness node? I'd vote for you.
👍  
properties (23)
authordavedickeyyall
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vote details (1)
@danielvehe · 
I would also do it
properties (22)
authordanielvehe
permlinkre-davedickeyyall-rzyo7g
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json_metadata{"tags":["hive-167922"],"app":"peakd/2023.7.1"}
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@jongolson ·
$0.02
Rumor has it, he fully suppoprt @clicktrackprofit witness LOL
👍  
properties (23)
authorjongolson
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vote details (1)
@davedickeyyall · 
Y'all already got my vote..
properties (22)
authordavedickeyyall
permlinkre-jongolson-rzz5zr
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@taskmaster4450le ·
$0.02
I can barely run a laptop.

And running a node requires technical expertise.  After all, the primary role of a witness is to keep the chain running.
👍  
properties (23)
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vote details (1)
@davedickeyyall · 
the primary role of a witness is to keep the chain running.

*You're a Good damn genius Gump*
properties (22)
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@deepresearch · 
Fully agree on this!
properties (22)
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@denmarkguy · (edited)
$0.18
This seems like it's on the money.

The *"Bond"* market *(HBD)* and the *"Stock"* market *(Hive)* are two *vastly* different creatures, drawing *vastly* different people.

But *investors* and *users* are also two vastly different sets of people. The challenge we seem to often face around here is that everything gets muddled together like every potential new Hive user is ALL of the above. I suppose they *could* be, but most aren't. 

Does the 20% rate *"work?"* For personal perspective, I know I have started to save a little of my liquid HBD rewards, rather than cashing it all out to buy groceries and electricity. Even though I can *ill afford* to not grab every penny. If the rate on HBD were, say 5%, would I save any? Would I power up, instead? Nope; I'd be using it to pay a little extra on credit cards. 

Hive *(as a "concept")* does need to start *DOING* things. Fiddling with tokenomics isn't *"doing"* things. We need more things like Splinterlands; we need use cases like actual *ecommerce,* conducted in the native currency. Overall, we need more emphasis on what you can DO on/with Hive, aside from just *"Hive."* The crypto industry is growing out of its infancy to where simply saying *"decentralized blockchain with a token"* isn't a selling point, in and of itself.
👍  , ,
properties (23)
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vote details (3)
@dwayne16 · 
We have 20% APR and we are not marketing it, What is the point of this experiment? I know so many people out there are still afraid because of what happened to Luna but we need to get our marketing right
properties (22)
authordwayne16
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@eil7304 · 
Really insightful post as always. I've held same view for long now, the current HP APR is really of no consequence because I wouldn't want to buy a speculative and highly volatile asset because of interest it yield, my 20% interest earned at the end of the year could turn into -70% overall loss when the asset suddenly drops in price with no warning!
properties (22)
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@growandbow · (edited)
Agree 💯.
Amazing Post to me! It enlightened me, still does, in many ways.
I've just discovered LeoGlossary because of your generous links.
My news glossary. Better than Wiki 😁👌🏽

> “...growth rates, full blown marketing strategies with tactics, market share and unique service propositions...„

For the win ☝🏽🤓


Thanks a lot, @taskmaster4450, for that post, a learner
properties (22)
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@hivebuzz · 
Congratulations @taskmaster4450! Your post has been a top performer on the Hive blockchain and you have been rewarded with this rare badge

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properties (22)
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permlinknotify-taskmaster4450-20230828t011115
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@hivebuzz · 
Congratulations @taskmaster4450! Your post has been a top performer on the Hive blockchain and you have been rewarded with this rare badge

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properties (22)
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@igormuba · 
I think there is a difference in the fact that we could keep a 20% APR, not that we should. 

20% may be scary for outsiders as that number may sound too good to be true. 

HIVE is down significantly from last year, so with HBD yield so high HIVE is not attractive at all.

I set my witness to signal for a 16% APR, but even the proposed 12% is still attractive and beat other DeFi protocols.

With 2 digits of APR we will still keep the supply of HBD increasing steadily.

Yes, we could leave it at 20%, but the ones who were profiting from 20% were people that already used HIVE and already had HBD savings. We did not manage to attractive new users just because of the high APR, so sounds like a reasonable time to me to make HIVE attractive again to get blogging and curating attractive again and keep users engaged in the social aspect of HIVE instead of the DeFi yielding aspect of HBD, which will still exist, still be strong and still be competitive and among the best options out there even at 10% or 12%

What if we apply the same rule of "if it is not broken don't fix it" to lower APR? We lower it, test it, if it is not broken we leave it low, if it is bad in any regard we increase it again.

If we consider that 12% is still a high and very attractive APR the same arguments for 20% are still valid for 12%, the only difference is greed for bigger and bigger numbers
But if we consider that 12% is low, then we are out of touch with reality because 12% yield on dollar is not low
properties (22)
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@mrtats · 
> Yes, we could leave it at 20%, but the ones who were profiting from 20% were people that already used HIVE and already had HBD savings. We did not manage to attractive new users just because of the high APR, so sounds like a reasonable time to me to make HIVE attractive again to get blogging and curating attractive again and keep users engaged in the social aspect of HIVE instead of the DeFi yielding aspect of HBD, which will still exist, still be strong and still be competitive and among the best options out there even at 10% or 12%



How do you know this? Do you have objective data that says it didn't attract new users? Or are you going with your "gut feeling"?
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@igormuba · 
Gut feeling because our total market cap (HIVE+HBD) is in a downtrend even with the best APR out there. 

Do you have objective data that says it did or did not attract new users? That would for sure help me and others take an informed decision.
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@jocieprosza · 
I am against lowering the APR and I really think about revoking my witness votes to ones that push for power APR.
👍  
properties (23)
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vote details (1)
@josedam · 
Well, your point are sound cool

But you need to understand, the idea of changing the APR is mainly to strengthen $Hive cause most people strongly focus on HBD which will only add little value to the Hive token, though before an investor can adopt HBD there's need to pass through the hive token. Well, I'm not against your point but I want you to know changing tokenomics also count. I guess it's obvious where the problem is coming from so messing with tokenomics might bring disaster to the blockchain. 

>Changing APR can work! But it's very important to look into the real source of this problem

We all know, investors keep coming after this 20% APR, so why can't we leave the APR and focus on the real source of the problem. Yeah, like you have rightly said stablecoin is meant for transaction and only transactions, so why can't we work more on marketing, let's solve people's problem with HBD

Therefore, the solution isn't changing the APR the solution is working on what matters most.
👎  
properties (23)
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vote details (1)
@jossduarte ·
$0.03
It seems absurd to me since they tell me that in order to improve the attractiveness of A they are going to reduce the benefits of B; Practically they say 

To make soccer more attractive and attractive for everyone, let's make it so that if a team is losing, the rival loses a player, until people start betting on the team that was losing...

That happened in Venezuela with a similar formula, they increased the prices of products in Cash and Transfers, lowered the interest rates, to encourage people to buy and use the PETRO... A Crypto invented by the Venezuelan State, the result? failed. 

I do not understand who comes up with these ideas, to which schools of economics do they go, or if they think that everyone is managed like a Silicon Valley company; I am concerned that those who have the ability to make these decisions, openly demonstrate that they do not know their users and I understand that it is difficult perhaps to make studies, but to make decisions standardizing all users, is to ignore that here there are DEVs, users who only come to consume content, users who want to create content, users who are simply part of a community, investors, crypto enthusiasts, people profiting from the platform and there are multiple styles of users, each with their own economy and reality.
👍  
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vote details (1)
@jza · 
I have seen this one https://www.hbdstats.com/
And https://hive.ausbit.dev/hbd
And have found no reason for such move. It doesn't serve a real purpose and does show somewhat a deservice to the people that makes long term plans on this return.
properties (22)
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@khaleelkazi ·
$0.08
Lowering the APR now would be a huge mistake. The system is far from breaking (Dalz has a good site showing the health of the system) and if it gets lowered it is going to scare off everyone who bought into HBD or who has watched from afar as a potential investor in the hive ecosystem

If this gets changed with very little discussion, debate and community voting it could be very negative for Hive as an ecosystem IMO. Changing it on a whim because a few witnesses want to is not the way.

As someone else said in a comment - if you disagree with the change, look for other witnesses who signal 20% and consider changing your votes. That’s the way the community can get involved in governance. I would love to see more Hivers involved in governance
👍  , ,
properties (23)
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vote details (3)
@danielvehe · 
What do you think of the idea of including HBD marketing in the Leofinance proposal?
properties (22)
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@taskmaster4450le · 
Leo can promote whatever they want and place the messages they want if they are funded.
properties (22)
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@jelly13 · 
Someone should be signalling 90% APR so that voters have a choice.
properties (22)
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@nonameslefttouse · 
I've been involved in governance damn near the entire time I've been here.

I will not be adjusting my witness votes.  Some are signaling 20%, some are not.  They have the freedom to decide and always did.  From day one, that percentage was subject to change.  It's far too soon to start acting like alarmists and *panic voting.*
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@mobbs · 
I just blogged that I'm removing votes from people signaling under 20% but it's *certainly not* a panic vote - it's very amicable and simply because I have very little else to go on when it comes to deciding my votes. Most the top witnesses haven't made a post of any kind in at least a year. I don't know who they are. Superficially I know projects they do, but...that's not enough. 

So, my very mild disagreement is enough to go on for now, and I think we should all do that until there's enough voting activity that votes makes an actual difference
properties (22)
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@thunderjack · 
good point on choosing witnesses based on the APR they support. When I went about looking over the witness list, I did note that a lot of them support 20% APR, but not all of them. I also put a preference in voting for witnesses that are related to projects I want to support. (So far a total of 8 witnesses I have voted for...need to add a few more sometime.) Like LeoFinance, and a few other Dev types who contribute to the community.
properties (22)
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@mccoy02 · 
>As stated, you can bump the APR on HP to 15%, if the price goes from 30 cents to 15, how are people going to feel?

Building more use case on hive to attract more user will save lots of energy than pondering on any APR increase or decrease, so long HBD is sustainable with the 20% apr there is no need altering it.
properties (22)
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@michaelklinejr · (edited)
Until there is enough HBD in circulation that people start using it religiously to conduct business transactions between each as currency for goods and services, there is not enough built up. HBD is the economic purchase value. Hive is just the utility used to provide a common ground between tokens for exchange purposes. I could never see it used for purchases as it's value cannot be trusted to maintain any consistency and business requires a trusted medium of value exchange.
👍  
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vote details (1)
@mintymile · (edited)
hmmm... DEFI economy is not that high on hive, its a social media platform for me, although I am aware that some DEFI is there for Hive users to get further yields and that has potential.

But HBD, is not going to take off just yet as fear of terraUST still lingers, and there has to be more education to others about HBD, that it is capped to a certain market cap of Hive, so no more HBD would be produced after reaching that market cap, death spiral protection is there, although I forgot the details, but it's there.

This mechanism is complicated for users to understaand, so educational posts and videos on it would help.

Until then HBD is unlikely would be seen as safe stable coin and 20% would add suspicition on to it, because yeah in stable coins like terraUST it was unsustainable.

But I see lot of value of main currency Hive, and as part of it being Hive debt HBD will have value, it depends on weather users will get confidence on HBD, its got to be built slowly.

Ofcourse, HBD should be used as payments, its good that it pays yields, but I do feel atleast for users to not get scared felling scammed due to high APR, set it realistically as its in other protocols.

I am for trimming of APR... to not have the user perceive this as beware, that's dangerous.

I read articles that say, if  dapp offers unrealistic apr beware!!

It takes time to do research, and understand ecosystem and there is always a risk. Because we don't know how HBD would react when something large scale happens, only theorise it, its not proved and tested yet!!

Yes, create more value for hive with dapps, and educate users.

For instance, people should know they can actually exchange HBD for any other stable coin on dapps built by @leofinance team connected to other Blockchains. 

But hive has so much from my experience, its not one niche, its social media but has other small elements of DEFI, and things writtens like me have not explored like Hive DEFI and games and video streaming...its overwhealing , and on top of this these economics stuff... lot to digest.

So, I would again say people have to understand how HBD is different from collapsed algorithmic stablecoins like terraUST first. Rest will develop after that...

Because many stablecoins like SILK have abandoned idea of algorithmic stablecoin and are pegged to real assets, so Hive is going ahead confident that it has mechanisms in place that prevent death spiral.

So, until that level of maturity and awareness sets in to majority of users, and if we have to attract new users, set realistic APRs for now, later accordingly if more use cases for HBD comes over, go ahead and set the APR rates higher rates.

Let's remember, or atleast I feel Hive is very decentralised and community can get involved in voting for proposals like increase and setting of HBD interest rates, although I know its actually automatic, based on price decline and rise of Hive.

When price declines beyond a point, a mechanism kicks in that would remove liquidity and issuing of HBD (that's arithmically capped to Hive), all done to prevent death spiral ... but I can't explain it coz its complicated, articles are there by Hive witnesses that explain it nicely.

So, users read it and participate in governance proposals and discuss, its good stuff.

I am not that familiar with things outside writing on Hive, including the tokenomics of Hive and HBD and stuff...but I know something, and always Hive is my home...

And I can say whatever crypto I hold now is not just for speculative reasons, I need it to use it on dapps to pay fees etc. Ecosystem has matured!!

Since Hive is needed as access token, demand would be there for it surely.

HBD, I atleast can't convince others that its safe to be in, put all your money in, they won't listen, yes put some money, earn APR, involve in DEFI and learn and have fun, spread knowledge and be part of Hive community and spread love too!!!
👍  ,
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vote details (2)
@taskmaster4450le · 
You are right.  A lot of education is required.  We also have to build use cases.

That is where the value for a currency comes from, the utility it brings.  Commerce and financial applications are required.
properties (22)
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@thunderjack · 
I get the feeling you read The Motley Fool (fool.com). When they discuss various cryptocurrencies, it is with an eye at the utility of the token - use case. If a token doesn't have a plan for bringing applications to their blockchain, then it ends up being, um, looked down upon. Without application developers finding use for a coin, it is pretty much a bad sign from an investment standpoint.
👍  
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vote details (1)
@yecier · 
👌
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@mypathtofire · 
> Thus, the notion of looking at the APR on $HIVE doesn't make a lot of sense when it can go down by 25% (or more). It simply is not an asset that one seeks yield.

People are seeking yield with Hive, I know I am- by growing my Hive Power I can get increased curation rewards and therefore earning power. As with many assets though, the *Total Yield* with Hive is not just through curation, we expect to see the increased value of Hive reflected in its price over time similar with a growth stock.
properties (22)
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@nonameslefttouse ·
$0.10
Much like the 12% we had for awhile, the 20% is also subject to change.  If that comes as a surprise to some people, it's because they didn't do their research.

We all might not agree on what percentage is best, but everyone must accept the fact the percentage is subject to change.
👍  ,
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vote details (2)
@notconvinced · 
Why do you think many or most don't know that?
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@nonameslefttouse · (edited)
Because "many or most" didn't take the time to learn, if that's the case.
properties (22)
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@notconvinced ·
$0.97
The problem is that this is all going down regardless of what the average user thinks. It's fully up to the 21 Witnesses who make the final decisions. They aren't asking for our opinions, they are telling us what THEY want to do. This system is not decentralized and cannot be decentralized with a coded in bottleneck such as this.

When we are seeing decisions being made through guessing rather than economics, then we know we have the wrong leaders in place. I for one don't want to be told what's going to happen on a decentralized platform. I want to be asked my opinion and see long term of Town Hall discussions taking place.

This is how we tap into the wisdom of the crowd to get all of the info and find those knowledgeable within the area under discussion. I hope the key players step back and slow down, because they are being hasty and not allowing those with the necessary experience to weigh in.

With LeoFinance getting ready for a huge marketing push, this is the wrong time to make this change. They'd essentially be eliminating a great asset for onboarding when we need it the most. Too bad they didn't market this when it was first put into place, which shows that the wrong people are making these decisions.
👍  , , , , ,
👎  
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vote details (7)
@cryptogee · 
Finally people are catching up to what I've been saying for five years.

*Cg*
properties (22)
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@notconvinced · 
I've been saying this for years
properties (22)
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@davedickeyyall · 
I think the witness votes need to work differently.  Either 1 account =1 vote or some equivalent 2 votes at 50%.. 4 at 25%.. etc
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@notconvinced · 
I agree, staked weighted just creates Oligarchies and cannot be decentralized.
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@mrtats · 
Most people don't vote or change their witness votes. Vote for people signalling 20% APR if you are against this change. 

If enough people do this, it can change up the top 20.
👍  
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vote details (1)
@davedickeyyall · 
@3speak lost my vote signaling 12%.. plus not responding when questioned.  @themarkymark was on it answers including links.
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@hirohurl · 
How do we find out which witnesses are signalling 20% APR? 

!CTP
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@notconvinced · 
Agreed, but to actually be decentralized we need more options to get involved. For now though, yes reviewing your witness votes is all we can do.
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@ph1102 · 
Exactly! Buy Hive, power it up, and vote for people who want to keep 20%... Easy peasy... 🙂
👍  ,
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vote details (2)
@taskmaster4450le ·
$0.03
At least it will make people start to question their witness votes.

What you bring up is valid.  People, no matter what their stake, have to take responsibility for their votes.
👍  
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vote details (1)
@taskmaster4450le · 
All that you wrote here is true.  I will be writing an article tomorrow that addresses much of what you brought up.
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@nrg · 
everyone and their mother has an opinion on how this chain should be ran. Glory to hive, may the consensus win.
👍  
properties (23)
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vote details (1)
@ph1102 ·
$0.03
> We have to stop believing that simply changing the tokenomics is going to make something valuable. It doesn't.

Changing tokenomics for HBD savings made it "more valuable" didn't it? Almost nobody was doing it, and when it changed to 20%, people "changed their minds" about HBD savings... 

So, changing tokenomics in that case worked!
👍  ,
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vote details (2)
@notconvinced · 
HBD isn't Hive and Hive already has plenty of utility in place to encourage buying and powering it up. It also has the ability to moon without added incentives to buy it. Adding more incentives won't bring in new users, but having incentives to invest in HBD can. 

Why hasn't this happened? No marketing, duh!It's been a huge wasted opportunity, but now we have a 2nd layer about to do a huge marketing push and they want to do away with a huge incentive to help out? Talk about backwards thinking.
properties (22)
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@achim03 · 
Well, marketing is a double cutting sword. Because whenever I talked about 20% apr on a stable coin, the first reaction was -> that must be a scam. Nobody trusts things that are too good to be true :-)
properties (22)
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@pizzabot · 
<center>PIZZA!


$PIZZA slices delivered:
@torran<sub>(1/10)</sub> tipped @taskmaster4450 


</center>
properties (22)
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@poshthreads ·
$0.04
https://leofinance.io/threads/steemflow/re-leothreads-2raugzmyk
<sub> The rewards earned on this comment will go directly to the people ( steemflow ) sharing the post on LeoThreads,LikeTu,dBuzz.</sub>
👍  ,
properties (23)
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vote details (2)
@readthisplease ·
$0.09
Nah, i wouldnt support the decrease of HBD APR, the difference between Hive and HBD is volatility, each has their advantage and disadvantages, choose your risks. HBD and Hive has survived these past few months independently of their APR.
👍  ,
properties (23)
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vote details (2)
@taskmaster4450le · 
They are completely different markets for investors.

That is where I think the main problem stems from.
properties (22)
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@russia-btc ·
$1.27
Why do people have a desire to poke a stick into a working mechanism in order to see what happens? HBD holders are passive investors and lowering the interest rate will cause them to leave the platform. If someone thinks that they will run to buy Hive, then this is a mistake.


![palka.jpg](https://images.hive.blog/DQmZrTPcc2A59GmzzyjMGVe8phH1amEXNmfu2X1ofoKxkSc/palka.jpg)
👍  , , , , , , , , , , , , , , , , , , , , ,
properties (23)
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vote details (22)
@cryptogee ·
$0.08
It's the same for the stupid HBD stabiliser. Can you imagine a new investor hearing that there are a community of crypto owners who are actively trying to drive DOWN their own crypto? 🤦🏿‍♂️

*Cg*
👍  
properties (23)
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vote details (1)
@ura-soul ·
$0.18
Personally, I'm going to generate yield/interest in whichever project offers a combination of the best returns, safety and ethics - which at the moment is HBD for me (out of the options I know about). So yes, if the interest rate drops significantly I will sell my HBD quickly and move on - as there are other options that are more attractive and HP is too volatile for me to rely on long term.

It's expected that the APR can change, but I agree that this is not the right time or amount to do it.

From what I understand, the huge stablecoins such as Tether survive by charging fees, issuing loans and making investments. They leverage their presence on exchanges, do marketing and had epic growth in the last couple of years (don't believe the CMC graph, 2022 was a real year. lol).

![image.png](https://files.peakd.com/file/peakd-hive/ura-soul/23swbvxhkDHFG8JVqgJcYY2hDmTpvoS1HH21Pcom7R5f8uToxkssN2bNWzRksGRhtCyDq.png)

HBD doesn't have the positioning of Tether and can't compete with it due to that and it's relatively low size (and less stable peg). The main use for HBD at present is for Hive related features/services and it having a very attractive APR is actually an interesting onboarding tool if used correctly. However, key sales points are only as useful as the marketing done to promote them. You can have the best thing in the world and no-one will buy it if they don't know about it or don't understand it well enough. 

I am consistently saddened by the lack of understanding of marketing among many of the decisions makers on Hive - I get the impression that they haven't studied the basics. As @edicted pointed out in his post on this topic, the top 20 witnesses ideally need to be at least knowledgeable in many fields and this includes marketing. If they aren't, then for that reason alone the community needs to have regular meetings to maximise knowledge transfer and to optimise decision making. This should be common sense. Pretty much all successful organisations have something like this.

Offering a great APR should not be seen as something to stop because 'people don't believe it'.. lol. It's a major selling point and tackles people's most basic survival pain points in life. If people just assume it's a scam then that is evidence of a dire need for better educational and promotional strategy/materials and not evidence of a need to destroy the selling point.
👍  , , , , , , ,
👎  
properties (23)
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vote details (9)
@russia-btc · 
![915k.gif](https://images.hive.blog/DQmZyT99CzR6PEasZ9nvkriho8SYPhC7yd8kuuqRebvA6Hx/915k.gif)
properties (22)
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@shortsegments · 
I see what I think are your main points. I think HBD, like a bond, needs steady, reliable earnings or yiled. I invest in it for this reason. I invest in Hive for it's utility, influence and as a speculatice asset. I invest in HBD for yield. It is how I balance my portfolio. I think tinkering with bond yields makes us similar to nation state governements who constantly manipulate their currency and markets . Thats not why we are here.
👍  
👎  ,
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vote details (3)
@jelly13 ·
$0.05
*Au contraire*, that's the only reason we are here - we are jealous of the nation state governments and want to have our fun too.

Companies issue bonds to buy stuff thats necessary for their business to run - but Hive has HIVE inflation for that. What is the point of recruiting another lazy-panda if 1M HBD is sitting there doing nothing? 

Yeah, someone must have burnt some HIVE but they did that as a service for profit and they are going to buy it back. There is an increase in coin price but the supply is down and the network value remained the same (unlike the situation where 10k people spend $100 on average to actually use the network - that increases the network value). 

There is surely room for short term gains/losses but gradually the field should settle down cashing out their profits. In practice, they won't. If that's enough to create a bull run, the value of the new lazy-pandas is mainly in having someone to panic sell when HBD depegs (surely, growing the debt ratio is great for speeding the game up). 

Smart market players earn money, Hive network earns Luna-like reputation (despite not going all the way to zero).
👍  
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vote details (1)
@ssjsasha · 
Hive's major problem is its barrier to entry. People have to first create an account then they have to find a way to get hive. Not everyone wants to KYC into an exchange and expose themselves to regulating bodies. 

The limited amount of "swap" services out there also do not really tackle this due to their high fees and again the KYC aspect.

IF somehow we can have some sort of wrapped hive on eth and other chains that can easily be bought through a DEX then transferred somewhere for unwrapping would be a game changer if properly done.

The problem hive will always have in terms of price is the "revenue" for blogging and curating is paid out in hive power or half hive half hbd. For anyone "living" off that revenue or cashing out, that is a lot of perpetual sell pressure that can only be protected for so long by ARB bots.
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@stayoutoftherz · 
Fully agree! Thanks for putting this together!
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@steemflow · 
First legitimate post to confront such changes in the ecosystem. I have seen so many ripples since morning (ist) that made me to assume that it has already been implemented. I belive hardly anyone support the lowering the apr...except few.
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@steevc · 
Having this current rate on HBD does not seem to have helped $HIVE much, so will a reduction make much difference? I guess people had to buy $HIVE to convert. The witnesses can decide how it goes.
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@taskmaster4450le · 
On Hive?  I would say it isnt going to make any difference.
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@stevenson7 · 
I feel like reducing the APR on HBD wouldn't change a thing to drive mass adoption. Where we should be focused on, and where I've perceived we can grow as a project is through applications. I don't know much about the tokenomics and all, but I believe the move isn't going to amount to much.
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@taskmaster4450le · 
I dont believe it is going to help.  People arent going to buy HIVE for the APR, at least that isnt the primary benefit.

An asset like HIVE is bought, from the outside, by those who want a 3x or 5x.  That is what they are looking at.  For that risk, they are willing to potentially suffer some downside.

Fixed income instruments have different appeal.
👍  ,
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vote details (2)
@tempertantric · 
HBD has been amazing at retaining its peg!! If anything bump it back up to 30% or a couple percentage points or just leave it at 20% but do not lower it. If it appreciates similar to Hive interest/curation I think we may lose the peg and value of the token.
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@theguruasia · 
I think these APRs should not change atleast for a year. If set, it can reset after a year, this should add as a policy. 
Better we understand HIVE is not HBD & here we are following 2 different strategies to capture different types of investments.

$WINE

Cheers~
properties (22)
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@thunderjack · 
Spot on. In order to increase the user base of Hive, you have to show that there are good apps worth using. You mentioned Splinterlands as one example. Games are a good way to do that. Another game that is doing well is Rising Star. Gaming is only one avenue to attract new users to Hive, and new developers willing to invest their time, money, and talent to build applications.

But games are not, nor should be, the only types of applications to interest people. Actifit is another app that could be a good way to attract more people to engage in the Hive ecosystem.

Then there is the blogging space on Hive, with lots of communities, many of which have a good user base, and there again, there is opportunity to leverage the blogging community to attract more users to the Hive ecosystem, and in this case, Hive Community. LeoFinance is one example, along with CineTV, various games on Hive are building communities. And there are communities for artists, photographers, poets, and so on as well, some have their own token on the Hive.

Developers will come to Hive (or other crypto blockchains) if they think the application they build will attract enough users to justify the expense in building, supporting and improving the app. Some games may be free to play, but at the end of the day, developers want to be able to have a roof over their head and food on the table (and maybe a couple of beers).

My two cents, for what their worth.
👍  
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vote details (1)
@titusfrost ·
$0.03
If it drops below 20% I am taking my money out of HBD and moving it elsewhere.
👍  ,
properties (23)
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vote details (2)
@tobetada ·
$0.13
I think the pros currently outweigh the cons, we should definitely keep this experiment running for a bit longer before making changes again
👍  ,
properties (23)
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vote details (2)
@torran · 
!PGM
!PIZZA
!CTP
properties (22)
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@pgm-curator · 
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***
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@valued-customer · 
>"...it is foolish to buy a stock based solely on the dividend..."

There are many reasons that is true, but it is no less true that it is always good to prefer dividend bearing stocks when all else is equal, as long as cash is king.  It is one of the strangest things to me that one of the fundamental changes happening is the dethroning of cash.  That is such a fundamental aspect of commerce, not only investing, I am quite taken aback.

>"...the notion of looking at the APR on $HIVE doesn't make a lot of sense when it can go down by 25%..."

As it just has.  Little could better illustrate your point than that recent decline of Hive on the market.

>"...an asset that can decline 70% in a year."

The horrific reality is that inflation of the dollar relative to the most basic necessities is somewhere in that range, and the dollar is the strongest fiat in the world today.  Worse yet is the absolute black hole into which the truth about inflation is sucked by offical statements.  Just a couple months ago we heard the Fed claim they had no idea that QE would create inflation.  I would not undertake such a blatant lie even if I wanted to lie and mislead.  I would not expect anyone to believe it at all, nor to let it slide.  I guess not having a global propaganda machine at my disposal does not prepare me to lie at such a scale by expecting such obvious false statements to be supported.

Bread, eggs, milk, rent, power, fuel, all the basics have doubled in cost in the last year.  Some of them doubled in price overnight in certain polities.  Doubling the price of yachts and palaces, of Rand and Bechtel, makes no difference to anyone of consequence, but doubling the price of bread and hovels only doesn't matter to them that don't matter.  Those matter to everyone that wields a shovel, a hammer, or otherwise creates the foundation of civil society.

Even so, we are lucky in America.  Argentina is wracked by the same politically directed looting that has been collapsing our urban centers here, but the Peso was just devalued another 30%, leaving them above only Venezuela in the strength of their currency.  I cannot imagine trying to live, raise a family, or do business in inflation worse than Zimbabwe's.

If only that was the worst truth we have to face.

>"We do have one exception which has never been, to my knowledge, ever discussed."

Allow me to reveal that most relevant and most neglected exception in the breach:  Meta's Threads signed up 100M users in a week just recently.  That market is thirsting for the censorship resistant social medium we have failed to provide through the magic of opinion flagging.  Threads collapsed just as quickly because it is not the censorship resistant platform that the market awaits, which is why Hive remains unnoticed in our corner of the web.

7 years of dodging that fate isn't trivially achieved.  Frankly, I am astounded that given the obvious desperation of the market for the product Hive, and before it Steem, paid lip service to and ostensibly has the tools to provide, our oligarchy has managed to avoid delivering it by accident.  Flabbergasted, TBQH.  The virtuosity with which circle jerks, flags, and bots have been deployed to dodge the moon is nothing short of Machiavellian.

Thousands of creators with >1B followers have been driven from the platform with facility.  The finesse of that suppression is amazing, and I admit my certainty the suppressors would slip and Hive would be infested with new users sooner or later has been proved false.  After a while of doing the same things and getting the same results one has demonstrated expertise, and seven years is long enough to prove intent, not ignorance, and sublime skill, not blithering idiocy, is the reason.  Frankly, I should be kneeling.

>"Perhaps the timing is not right for that due to the ongoing development of HAF..."

Maybe so, but that's not the real reason it hasn't happened.

>"What is required is building."

LOL  There is no way to secure a plutocracy from purchase except by preventing it from being attractive to purchasers.  Gates, Bezos, Musk, Soros, and more are out there, wallets burning holes in every pair of pants in the world, yet not one of them has a single Hive, nor HBD.  That is entirely due to the absolute mastery of the Hive oligarchy.  We here discuss what we want, from brownie recipes to interest rates, without interference from those pirates of propaganda, and Steem is proof censorship resistance hasn't been utterly eliminated on Hive only because we are subject to them as intend to prevent it.  @freedom must be Hari Seldon.

If we actually slip up and create a product that starts to go viral it will threaten the continued existence of Hive.  Sun Yuchen is not alone, nor the worst threat.  

>"...how often have you heard about people talking about growth rates, full blown marketing strategies with tactics, market share and unique service propositions?"

Has a day gone by on Hive without a post about it awaiting payout?  Even one day without a proposal pending to fund exactly that?  I can think of three off the top of my head either awaiting payout or just having paid out, one a DHF proposal to boot.

Hope springs eternal.

>"When staked, it provides influence in both governance and the reward pool. We do see how this can potentially translate into a return."

Just as well as JP Morgan did the Bolsheviks.

>"Consider if Hive was doing 250 million transactions per day...  What do you think the value of $HIVE would be at that rate? I can guarantee a lot higher than it is now."

It seems there are other metrics than money, and they are far more valuable.

Thanks!
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@wanderingmoon · 
If this were a proposal I would vote in favor of leaving it as is. If it ain't broke don't fix it.
👎  
properties (23)
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vote details (1)
@woelfchen · 
Thank you - I really like the 20% APR
counters the inflation and HBD is very special with it
show me something else in our modern world that is that constantly stable..


had some conversations
but do not care too much about the HBD APR
I'm planning to change my HBD to HP anyway..
and will probably also need to sell Hive to survive my upcoming homelessness (again)

sadly I've seen people (even witness) to also push even further, not only do they want to lower HBD APR
but also posting rewards (again)

do you guys not remember the 50/50 posting/ curation reward split?
was also supposed to make HIVE more interesting for investing..

now the same again? but by making HBD less interesting?
AND ALSO POSTING?

people seem to forget that as soon as posters/ content creators do not feel incentivized and rewarded enough
everything will crash
no matter how cool witness we have that want to extract more value and reward themselves for already having big stakes, aswell as solidifying their influence

also I'm very sceptical that the witnesses are not the most active - post maybe once every half year..

but then suddenly ALL POST WITHIN A DAY RANGE
looks WAAAY TOO __coordinated__

why are they agreeing/ coordinating to all do posts about HBD (and even posting reward lowering -> deathwing) at the same time?
very coincidence 
lol
👍  
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vote details (1)
@woelfchen · 
sadly it does not even make much sense to talk about anything anymore

everyone feels like some special tokenomics voodoo priester knowing what to change as IF THEY KNEW

and appear just to be INTERVENTIONISTS

we should have talked more about curation CURVE
FUCKING YEARS AGO

now it is gone - the chance

and we just have some top witness coordinating (posting about the same within A DAY while not having posted for over half a year - to influence, make the sheep also want what the big witness guys want - more profit for the great server admin, who do not only wanna be server admins but also juggle with interest rates like cool bankers)

instead of an alive community on an alive and decentralized platform

guys, just lower everything
HBD APR
posting rewards
but then also witness rewards to 0
cuz when we started, we can also just keep going

why stop woth HBD RATES - go on lower posting rewards!
we do not need people exchanging here, they can go to X
(@deathwing)
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@deathwing · 
It's not a case of coordinated "alright guys we are going to lower everything" this was discussed months prior. And as I said in the post, the reducing posting rewards was purely my idea that I wanted to see what people think on, that's not being acted upon anytime soon. I think there are only a few witnesses who think something like that, it's not the general consensus.
properties (22)
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@woelfchen · (edited)
well some of your followers seem to have misunderstood you and now THINK that lowering HBD APR is only possible by also LOWERING posting rewards

while it is the opposite
with lowering HBD APR we could even go so far and RAISE posting rewards again
to maybe reward those on whose backs the whole platform WORKS (people doing content, sharing/exchanging thoughts, having contact and conversations)
[not that I mean to tell what we should do, but in fact lowering one value gives the opportunity to RAISE another AND NOT THE NEED TO EVEN LOWER MORE [like posting rewards]]

and then one sees how much understanding there really lies as basis
none - it is more the motivation TO JUST DO ANYTHING/ CHANGE ANYTHING
interventionism

and we just circle on the same place and that will ultimately kill HIVE (AS PLATFORM AND MAYBE ALSO AS TOKEN BEFORE)
not the evil 20% APR or evil posting rewards

lol
well I'm now exchanging my HBD to HIve (as you witness want - but not because of you, but because I've planned that for way some time, also probably need to pay out again soon to survive my upcoming homelessness again - and Hive is just more liquid and easier to change to BTC and then food)

greets
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@xplosive · 
> Here is it bluntly: Few cared about $HIVE (or HP) before HBD was at 20% and it will be the same if it is changed.

What would incentivize more people to be interested in Hive? What would happen, if the curation rewards and/or the APR of Hive Power would be increased? Nowadays the APR on Hive Power is around only 3%. What would happen, if this value would be higher? For example 5% or 10%. And with the added curation rewards, the 20% (the same as with the HBD passively) would be achievable. Would any of these scenarios be technically/economically sustainable in long term? Would that increase people's interest in Hive Power? What do you think?
👍  
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vote details (1)
@taskmaster4450le · 
What good is APR if the value of the coin drops 50%.  Hive is a volatile asset.

If seeking yield as the primary investment motive, then you want something stable like HBD.  Even though it moves on the market, it can be converted for $1 worth of HIVE.
👍  
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vote details (1)
@jelly13 · 
> What good is APR if the value of the coin drops 50%. 

If you keep printing enough HBD to support 20% APR on a "stablecoin", you will get there (ie. $0.50 HBD) sooner or later.
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@yecier · 
If you increase HP APR the only benefits will see by the whales, giving them more power to vote witnesses and proposals, AKA more centralization.
👍  
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vote details (1)
@xplosive · 
You are right. If we think about this, then this is obvious.
👍  ,
properties (23)
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vote details (2)
@yecier · 
What about set a 20% HBD Savings for amounts lowers than 10k (HBD) or increase the HP APR for accounts with less than 10k HP. More stack lower APR.

That way you make sure small users are the beneficiaries equilibrating the map of power and getting there chances to grow and bet for the network.
properties (22)
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@cryptoandcoffee · 
There are no short cuts here and why Hive should be seen as valuable. Hive is hard to earn and takes effort and it has to stay that way or it will cheapen what we are building.
properties (22)
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@yecier · 
Hive is easy to earn, you only need invest enough money to do it, as all in economy. Some whales get high upvotes not for the content they create, they get it because they are whales and later "recompensate" with upvotes to her followers.  🤗
properties (22)
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@jelly13 · 
How many accounts do you have?
properties (22)
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@yecier · 
until moment only one 🤗
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@taskmaster4450le · 
People will use multiple accounts and just spread it around.
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@yecier · 
I think if the APR of high amount is 12% people will don't take the job of create 30 accounts to stake 300k.
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last_payout2023-09-02 02:11:24
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_length108
author_reputation61,663,833,706,733
root_title"The APR On HBD Savings Should Not Be Lowered"
beneficiaries[]
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percent_hbd10,000
post_id126,597,454
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@zakludick ·
$0.14
Don't fix what isn't broken.

You aren't going to change the trade price of Hive in the current market by messing with HBD APR.

If I ran a business where I am paid from an asset from Hive, I would accept HBD. And I would also want the APR to stay at 20%.
Cheers
👍  , , ,
properties (23)
authorzakludick
permlinkre-taskmaster4450-2023825t152439898z
categoryhive-167922
json_metadata{"tags":["hive-167922","hbd","hivepower","ctp","archon","mancave","neoxian","proofofbrain","leofinance"],"app":"ecency/3.0.42-mobile","format":"markdown+html"}
created2023-08-25 13:24:39
last_update2023-08-25 13:24:39
depth1
children0
last_payout2023-09-01 13:24:39
cashout_time1969-12-31 23:59:59
total_payout_value0.072 HBD
curator_payout_value0.072 HBD
pending_payout_value0.000 HBD
promoted0.000 HBD
body_length263
author_reputation425,022,310,145,766
root_title"The APR On HBD Savings Should Not Be Lowered"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id126,580,534
net_rshares376,262,578,709
author_curate_reward""
vote details (4)
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