Cashing in my monthly HBD Savings interest

HBD is the living stablecoin of the Hive blockchain and even if it was lately adjusted, it still keep giving an appealing 14.00% APR as voted by the consensus witnesses. It was before 15%, thus it is not a drastic reduction even if it might be lowered considering that the Hive price is breaking All Time Lows after All Time Lows: latest All Time Low took place on Mar 31, 2026 (7 days) and it was $0.05537. I am not sure how the HIVE and HBD price are corelated and if one puts pressure on the other, but I always thought that on the Hive blockchain is better to have a balanced portfolio with both HIVE which can have high swing and HBD which can protect during bearish times like this one. I still believe in this ecosystem even if the tokenomics declined lately and I hope that the big players will think to improve and retain more value into the governance token. But this will need to be proven through facts and not words... and until this happens I will simply continue to stake more HIVE and HBD.

I have just cashed in my interest from the monthly HBD Savings in the amount of $77.701 and guess what? It went back into the HBD Savings to compound with what I have and provide more passive revenue from the total of $6,811 that I now hold. This should provide in the near future around $80 HBD per month, while my goal from quite some time was to get to $100 per month. With the bear crypto market that is harder to achieve without an increase in activity in order to compensate for the lower rewards. Neither do I have other assets that can be sold in these market conditions in order to move funds to it. Thus, I will mostly need to grow my holdings organically. Sometimes I get some free time on my hand and can dedicate it to crypto, but other times I need to focus on work and family and become absent.

Nevertheless how fast I will get to my $100 HBD goal of passive revenue per month, it feels quite good when the interest is paid on a monthly basis and gets compounded with what I have in my account. While nowadays anything require more effort from our side, getting such a revenue stream that is 100% passive feels quite good. That allows me to focus on other revenue streams that are not so passive and try to top one after another. It is important to have a good strategy and tap into diverse revenue streams and the only thing that holds us back is TIME. But with some optimizations and wise choices, we can get where we want to be.

Hive blockchain is a welcoming ecosystem for anyone and I've experienced many people coming here and finding a warm and cozy place to be and enjoy the time. But besides that, it has some strengths like the HBD Savings which offer over the market 14% APR and which I believe that holds us here more than just give up in harsh times like this one. I am enjoying my HBD interest month after month and hopefully I will be able to reach my target by the end of the year.

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