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RE: How much APR on HBD savings?
I think it's important to consider the impact the APR has on HBD savings, both for users and the Hive ecosystem.
Maintaining 15% could be attractive to savers, but we also need to assess whether this rate is sustainable in the long term.
Reducing it to a level such as 10% or 7% could better balance incentives and sustainability.
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The APR on hive savings is not really sustainable because it is printing hive out of thin air in the form of HBD that can be converted. This increases the supply without any real use case other than to increase the return for holding hbd in savings.
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