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RE: HBD Interest now 15%

It's still too high IMHO because of the inflation issues. The 20% was brought as an answer to the UST fiasco in 2022 and was never lowered. It was meant to be an attractor to the blockchain, but when I talked to people outside of Hive, they all looked at the 20% as a scam, because of what happened with UST and it's 20% + earnings that were 'promised'.

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Yes, after the UST fiasco, people are sceptical of such high rates. Even though it was popular and wanted by most of the community.

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But the problem is when it stays high during a bear market like we are seeing, it just keeps us there. If the APR were lowered to 5% to lower the sell pressure, then we might have a chance to break above these levels and stay there. I don't think the 20% works with Hive under $1

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