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Without a shred of doubt, I think HBD's still the most competitive. The high fees on ETH cancels out it's stablecoins decent APR. Cardano comes close to HBD but not quite. HBD's previous 20% was really good. The only concerns is about the unhackability of the hive blockchain, otherwise it's the best option so far.
HBD is king indeed and we are blessed being here and having easy access to it.