HBD Interest Payments For August 2023 | $125K

in LeoFinancelast year

hbdinterest.png

Hello September!

Another month has gone by. It is always great to start out the month with talking about the HBD interest payments. Hive blockchain is still paying 20% APR for all HBD in Savings. There has been some changes in witness parameters for the APR. A couple of top witnesses changed their APR parameter to 19%. 11 top witnesses still singling 20% APR. Some are also few witnesses who prefer 12% and 15%. The lowest APR is 7% by Abit.

It has been more than 2 years since Hive started paying interest for HBD. While the feature was always there, it wasn't until Hive witnesses decided it would be beneficial for the chain and the community to start paying interests for HBD. HBD interest payments started out with 3% in March 2021. That time payments were for HBD both in liquid and savings wallets. That structure benefited exchanges, who started earning HBD interest for their customers' HBDs in their exchanges. Hive core devs came up with a better solution and implemented changes to HBD, and HBD interest payments in the planned hardfork in the summer of 2021. This hardfork limited intrest payments to HBD held only in Savings. After this hardfork witnesses were motivated to increase the APR even more, as HBD was getting better and better. In June 2021 APR increased to 7%, July 21 to 10%, and December 2021 to 12%. Things were looking great for HBD.

On Hive changes are made gradually with discussions, experimentation, testing, and considering all the risks. Since all the improvements done with HBD were going well, and 12% HBD payments didn't create any issues for the chain, in April 2022 witnesses decided to go for 20% APR. That was a big step in making HBD more attractive for stablecoin enthusiasts. There was a lot of work done prior to this to make HBD behave as intended. Now, in September 2023 Hive blockchain is still paying 20% APR.

Because APR is not hardcoded into the blockchain, and it is a parameter witnesses can change, 20% APR was never guaranteed to last for a long time. It may. APR may even increase more if consensus decides so. However, the likelihood of APR decreasing in the near future was always high. There could be many reasons, or none why APR would change. It is completely upto the individual witnesses to decide what APR should be. It is also one of the positive features that can be utilized as a protective measure if something went wrong and paying HBD interest had negative impact on the blockchain and its economics.

Since 20% APR has been activated we haven't really seen any negative side effects of this actions. I would argue the opposite. More HBD is now held in Savings instead of exchanges, Hive community members benefiting from another way of passive income, it also created a hedge mechanism for Hive investments. 20% APR has made HBD a better stablecoin overall. We haven't seen massive adoption of HBD as some of us expected. At least not yet. But still the interest for HBD has slowly been increasing. Two years ago, HBD interest payments were total of $5,646 to about thousand accounts. Today the total payment amount on monthly basis is over 100k and still going up. More accounts receiving HBD payments every month.

There has recently been discussion that perhaps it is better to lower that 20% APR. It may or many not happen in the near future. Even if it does, it seems would drop to 15% or 12%. Still will remain above 10% and would offer better investment option compared to many other financial instruments. I personally think we should increase the APR to 25%, and continue testing.

Let's look at the numbers...

Total HBD Interest Payments & Accounts By Month

MonthYearTotal AmountTotal Accounts
March202110,429 HBD6,415
April202112,208 HBD7,106
May202116,574 HBD7,250
June202138,883 HBD7,167
July20211,696 HBD682
August20215,646 HBD1,062
September20212,570 HBD1,129
October20214,914 HBD1,239
November202110,931 HBD1,482
December202119,004 HBD1,655
January202219,740 HBD1,843
February202214,775 HBD1,654
March202226,506 HBD1,827
April202235,223 HBD2,357
May202266,025 HBD2,471
June202255,929 HBD2,253
July202262,053 HBD2,440
August202245,416 HBD2,573
September202260,083 HBD2,582
October202257,388 HBD2,712
November202269,228 HBD2,645
December202271,830 HBD2,684
January202386,019 HBD2,800
February202372,016 HBD2,659
March2023102,702 HBD2,968
April2023102,158 HBD2,875
May2023115,907 HBD3,046
June2023113,685 HBD2,796
July2023114,838 HBD3,018
August2023125,346 HBD3,049

Looks like these numbers keep going up. $125k HBD were paid out to HBD hodlers in August, and a little bit more wallets received these payments compared to the last few months. I hope to see these numbers to keep going up, and I also hope eventually this will also make Hive's price to climb upwards as well. If not, we can always buy more Hive at cheaper prices.

Top 700 HBD Interest Payments For August 2023

#NameAmountDate
1lazy-panda19653.1682023-08-22 08:16:03
2newsflash7840.9702023-08-16 08:56:42
3alpha4171.3412023-08-29 19:40:39
4muenchen3450.0582023-08-08 15:59:00
5khal.leo3242.1702023-08-30 14:55:06
6smooth-a2554.2812023-08-04 18:39:03
7nealmcspadden2447.2512023-08-08 23:10:39
8shitposter2088.4222023-08-29 03:40:42
9bnb-hbd2001.1612023-08-10 15:08:57
10investegg1956.1412023-08-14 00:31:00
11vaultec1871.9652023-08-31 03:05:48
12parkman1829.8012023-08-30 03:50:09
13yunnie1608.5822023-08-30 19:06:27
14lucius.banda1596.1962023-08-22 08:25:03
15bocasdeldrago1347.8772023-08-01 18:07:21
16hbd-promo1282.8422023-08-22 11:44:03
17apshamilton1277.7552023-08-25 10:30:42
18hbdsavings1276.7522023-08-28 06:52:21
19spkproposal1245.8702023-08-01 00:29:51
20organduo1146.4312023-08-22 07:15:42
21luolu1083.9042023-08-29 06:15:09
22zhipi1067.3582023-08-24 05:20:06
23engrave.cold1054.7012023-08-23 13:16:33
24dfund991.8562023-08-15 02:42:51
25deathwing954.9582023-08-30 14:50:21
26nuttin954.8302023-08-07 16:58:30
27amomslife907.8392023-08-09 06:27:51
28vortac814.7252023-08-20 10:29:21
29ncwarp811.3222023-08-31 14:25:12
30ordinal807.8602023-08-20 00:08:09
31stoodkev795.7922023-08-11 07:45:51
32richie.rich783.2052023-08-03 20:18:30
33ncwarp770.5672023-08-01 14:24:15
34piggybox-001739.5462023-08-27 09:10:09
35v4vapp.dhf644.4102023-08-26 13:29:42
36hivekeeper79644.3942023-08-08 23:13:30
37primalamacchina630.5352023-08-27 07:27:27
38ipromote552.8142023-08-06 01:18:36
39mahdiyari551.9612023-08-24 15:20:00
40variola545.9022023-08-11 03:37:24
41x30541.8742023-08-01 17:25:21
42ura-soul540.8152023-08-02 11:15:09
43cashbuyer518.7942023-08-31 12:25:18
44yann0975513.4942023-08-15 06:42:27
45cryptosimplify497.3152023-08-10 22:26:54
46timesheets479.9432023-08-18 02:28:27
47drrosen474.7212023-08-09 14:23:48
48piggybox-004435.8732023-08-12 21:38:36
49risingstarhub432.6832023-08-06 13:31:15
50resiliencia408.0522023-08-29 21:41:51
51pharesim402.2262023-08-24 10:16:15
52mrtats.cold395.2142023-08-05 09:08:45
53cranium393.7312023-08-10 04:38:18
54cryptosharon382.5792023-08-03 04:01:12
55chewsk1381.7902023-08-16 10:02:33
56lazy-ninja380.8462023-08-06 23:11:27
57paleking371.1972023-08-23 12:33:30
58hbd-temp364.8462023-08-05 21:39:45
59hbdcold361.8982023-08-08 08:46:03
60solominer.stake350.3402023-08-26 14:05:18
61foreveraverage342.9882023-08-18 13:38:42
62borislavzlatanov340.6222023-08-05 16:54:00
63thevenusproject332.8792023-08-27 20:10:30
64mup331.6752023-08-16 13:15:27
65coinmint329.0352023-08-08 06:07:18
66hiveauth305.4912023-08-05 14:04:18
67lunaticpandora300.6602023-08-14 16:26:45
68taskmaster4450le299.2232023-08-01 15:00:12
69beststart298.8652023-08-16 21:36:48
70strawhat297.1882023-08-18 11:08:27
71howweroll282.4212023-08-04 01:36:06
72demotruk273.2012023-08-12 18:23:39
73alives272.6562023-08-13 15:15:15
74scaredycatguide269.3292023-08-08 23:08:30
75marthaehinome268.7252023-08-20 21:04:36
76krasnec263.6582023-08-07 12:11:18
77whangster79260.9382023-08-14 00:30:33
78onthewayout246.0862023-08-29 19:15:36
79deanliu240.0572023-08-20 11:18:12
80peak.open236.8642023-08-21 22:39:30
81goldstreet234.8012023-08-25 00:35:57
82mollyw231.1462023-08-23 17:55:48
83howo229.4282023-08-20 16:15:39
84neuerko228.7532023-08-26 07:24:18
85piggybox-003228.1812023-08-27 08:15:06
86namelessnameless227.6782023-08-04 16:09:09
87fbslo226.4162023-08-29 23:12:27
88dmwh225.9842023-08-16 04:45:06
89fredrikaa225.8772023-08-11 18:21:54
90doortable219.9072023-08-05 16:57:12
91mistergreen211.8562023-08-04 09:27:51
92eliel211.5562023-08-10 14:58:12
93achim03209.1802023-08-26 20:03:42
94vikisecrets206.1442023-08-03 20:44:15
95alejandromata206.0562023-08-29 05:25:12
96tomhall206.0542023-08-13 17:37:21
97prinzvalium204.8332023-08-03 20:27:33
98oflyhigh201.8572023-08-09 11:52:30
99spinvest198.9942023-08-20 00:47:18
100seraphim502197.2952023-08-15 01:04:30
101notak194.8272023-08-11 23:45:18
102venadita193.6462023-08-01 12:09:09
103normie.fitness192.3402023-08-26 04:34:09
104cloudblade191.0262023-08-25 13:17:21
105venadita190.7582023-08-31 13:00:24
106gimmiethecash189.9092023-08-16 04:46:30
107geekgirl183.4592023-08-25 01:01:09
108lemouth182.9992023-08-22 12:48:48
109catinthewindow171.1132023-08-21 00:16:48
110offgridlife170.7602023-08-06 15:54:06
111theghost1980168.4122023-08-17 23:36:09
112chaingmai.hhh168.0942023-08-23 02:30:48
113city-of-dresden163.4022023-08-24 09:31:45
114santiagolaw159.9552023-08-21 11:34:06
115d-company159.6142023-08-12 10:46:09
116methodofmad159.3452023-08-19 14:31:24
117teammo156.3882023-08-16 12:13:30
118valdiva154.7872023-08-27 18:53:18
119silverstackeruk151.5232023-08-08 08:06:39
120lovejill150.0342023-08-24 12:47:39
121aafeng148.9902023-08-08 17:14:57
122r2cornell144.5242023-08-31 00:00:33
123raycoms137.4262023-08-09 08:16:36
124taruk133.2762023-08-11 07:49:36
125hiroshige130.4362023-08-29 20:35:24
126netflixr124.8142023-08-27 20:49:33
127hiddenblade124.0202023-08-10 00:28:09
128eturnerx-honey123.1852023-08-25 01:46:12
129bozz122.4432023-08-05 15:12:57
130hivecreators122.3842023-08-21 23:10:00
131sucrelibre120.8922023-08-19 15:07:09
132rynos-6119.4102023-08-14 00:08:12
133tarotier118.2712023-08-27 02:14:18
134mini-v118.0822023-08-01 00:23:15
135mirafun115.8442023-08-17 20:38:06
136detlev115.5442023-08-08 05:13:57
137edex114.3182023-08-15 02:46:33
138bitrocker112.5532023-08-27 14:38:39
139shitsignals111.7702023-08-31 05:02:21
140florian-glechner109.8452023-08-25 17:42:39
141worldfinances108.7102023-08-27 22:58:39
142eidolon107.7152023-08-07 12:07:00
143dresden.theone107.6922023-08-19 15:06:12
144slobberchops103.7842023-08-13 07:20:30
145meesterboom103.2892023-08-22 08:31:45
146ironshield103.2352023-08-21 01:21:18
147dsavings101.7742023-08-20 09:44:09
148arcange101.6862023-08-14 13:28:36
149tht101.0212023-08-11 05:12:27
150susanli3769100.5442023-08-16 21:49:51
151fundacja100.4642023-08-24 13:43:33
152mangowambo100.3252023-08-02 20:42:57
153rebeccashands99.4982023-08-07 13:40:51
154rezoanulvibes98.8762023-08-10 06:49:51
155iamjohn96.4692023-08-22 15:10:15
156superhive94.8952023-08-06 18:57:36
157hivechain.app92.1712023-08-10 08:39:18
158revisesociology90.5762023-08-03 06:46:06
159pi-store90.4432023-08-15 14:51:30
160cbjinvest90.1032023-08-30 20:33:30
161deepresearch89.2732023-08-27 10:38:48
162princekham88.7722023-08-10 10:32:24
163motionup87.0552023-08-10 04:40:18
164wildebunny84.4422023-08-29 22:30:36
165globalcurrencies84.3882023-08-05 22:49:00
166verbalshadow82.9132023-08-01 23:14:18
167photofeed82.7662023-08-21 10:04:18
168leaky2082.3592023-08-29 16:31:45
169livinguktaiwan82.1872023-08-30 23:27:30
170grindle81.9252023-08-07 10:32:45
171pechichemena81.4032023-08-31 15:40:45
172shanibeer81.0872023-08-19 19:10:54
173cheftony80.9932023-08-20 20:26:00
174fractoli80.7252023-08-13 20:25:18
175johnboywalton80.5922023-08-31 19:09:18
176sports.guy5580.5542023-08-23 01:37:42
177goldrooster80.4002023-08-09 10:59:00
178cwow280.2712023-08-18 15:37:03
179eolianpariah279.9982023-08-08 22:33:57
180johnboywalton79.7442023-08-01 07:50:09
181monochromes79.5902023-08-17 13:41:45
182holoferncro77.9702023-08-13 14:10:39
183shimozurdo77.2962023-08-04 22:35:06
184bombus77.1862023-08-28 16:36:03
185cedricguillas77.1572023-08-22 02:58:00
186techcoderx76.1202023-08-12 07:58:15
187neal.cards75.4172023-08-08 23:13:30
188kaerpediem75.3252023-08-09 14:26:03
189resonator74.9722023-08-11 17:10:54
190juliakponsford74.5162023-08-07 14:41:03
191alexvan73.6092023-08-06 22:11:33
192j8506373.4162023-08-08 22:32:15
193msdeestrees73.0702023-08-01 06:59:36
194nftmart.wallet72.5052023-08-04 22:49:18
195jedigeiss72.3092023-08-21 21:25:57
196hendersonp72.1392023-08-07 15:13:36
197lk66672.1032023-08-08 14:35:48
198cryptofiloz71.8902023-08-10 15:24:15
199michelmake71.7112023-08-21 10:55:42
200rmsadkri71.6452023-08-22 19:40:24
201trumpman71.4782023-08-20 04:42:18
202astralrevelation70.4772023-08-13 03:33:36
203trangbaby70.4522023-08-22 07:04:21
204lovequeen69.7392023-08-08 14:50:45
205nyrh68.2462023-08-05 05:56:51
206olebulls67.3702023-08-13 21:09:24
207shaunmza66.9162023-08-29 17:12:12
208criptosectadepit66.5862023-08-12 22:10:15
209mammasitta66.4312023-08-02 07:04:15
210r351574nc365.7222023-08-18 02:27:48
211fermionico65.5212023-08-23 02:42:54
212odies64.6432023-08-29 02:07:27
213montanita64.2312023-08-03 18:46:21
214lackofcolor64.1652023-08-08 18:36:42
215growandbow63.9022023-08-20 09:37:09
216louis8861.7172023-08-16 17:31:24
217thisnewgirl61.0162023-08-03 01:02:06
218bdmillergallery60.9372023-08-31 10:37:06
219steemflow60.8522023-08-30 08:17:15
220winniex60.7842023-08-29 15:04:48
221soyrosa60.1862023-08-14 18:18:54
222nonameslefttouse59.3062023-08-18 01:41:45
223cflclosers59.2582023-08-14 00:43:45
224andruto58.9462023-08-24 11:09:42
225whoisjohn58.8922023-08-26 05:04:33
226coffeelovers58.4182023-08-27 03:36:45
227dutchchemist58.2382023-08-13 11:00:03
228xg402858.0152023-08-14 08:07:51
229immanuel9457.7812023-08-01 14:18:51
230krishool57.7762023-08-21 16:23:00
231mipiano57.6312023-08-10 15:54:48
232captain.kirk57.4002023-08-12 06:18:51
233jza56.4922023-08-11 15:42:06
234llunasoul56.2872023-08-16 20:57:33
235splitterhands56.2772023-08-27 15:14:27
236sevatar55.6152023-08-22 03:48:12
237pr4ec14rv555.3822023-08-28 21:23:21
238xbr1455.3172023-08-19 19:18:48
239eddqq55.2172023-08-22 20:01:30
240nick.name54.9972023-08-30 07:16:27
241kiemurainen54.7582023-08-19 08:03:03
242sjarvie554.3862023-08-13 18:58:57
243cryptojiang54.0192023-08-07 16:05:54
244djugana53.5212023-08-20 18:10:48
245steemychicken153.3632023-08-26 10:01:51
246josediccus52.9042023-08-05 14:59:51
247tfranzini52.5092023-08-08 11:13:57
248sofiestication52.1362023-08-28 23:52:30
249alferkgb51.9862023-08-30 12:07:45
250sm-silva51.8162023-08-25 16:20:33
251bigkrik5451.4472023-08-26 08:02:57
252waveshaper50.4012023-08-10 08:20:00
253brianphobos49.8852023-08-19 22:36:45
254papilloncharity49.6432023-08-22 21:14:00
255theb0red148.7382023-08-06 06:19:18
256afii9048.2622023-08-25 07:55:39
257joshman47.7312023-08-18 20:28:15
258fulltimegeek47.3122023-08-03 18:00:06
259captaincryptic47.0452023-08-14 14:57:09
260leiaviathan46.4512023-08-18 02:28:39
261idiosyncratic146.3092023-08-03 10:47:36
262mineopoly45.8432023-08-04 08:23:45
263anneadam45.6922023-08-31 16:31:03
264caladan44.8482023-08-04 18:35:48
265jinvest44.8432023-08-12 11:19:30
266fermentedphil44.8122023-08-15 06:16:00
267kolbjorn44.5022023-08-20 09:02:15
268baboz43.9832023-08-07 21:47:21
269hive.one43.8452023-08-26 06:14:39
270gringo21198543.2692023-08-20 19:07:09
271irenenavarroart43.1702023-08-12 01:58:15
272bdcommunity43.1362023-08-08 04:57:12
273ewkaw42.8522023-08-05 02:00:12
274stayoutorz-fin42.4542023-08-06 23:11:12
275bitcoinflood42.0792023-08-31 14:51:39
276kheldar1982a41.4922023-08-29 13:34:15
277emmali41.3602023-08-16 21:50:45
278dalz41.3022023-08-29 14:03:21
279swisshive41.1662023-08-30 08:41:45
280toofasteddie41.1492023-08-25 23:47:03
281tarazkp40.9582023-08-07 14:01:54
282balte40.3602023-08-07 20:31:21
283flemingfarm40.1372023-08-01 14:17:39
284thcmind40.0802023-08-13 15:38:48
285pacoandujar40.0232023-08-22 22:40:36
286stickupcash39.9412023-08-13 08:33:45
287epic-fail39.7762023-08-21 11:46:21
288celestal39.6462023-08-19 14:56:27
289bait00239.5022023-08-18 09:49:09
290carrinm39.4862023-08-16 14:12:27
291nostalgic121239.2042023-08-06 01:07:36
292skenderbeu39.0612023-08-31 23:16:24
293ericvancewalton38.8962023-08-31 01:51:00
294choogirl38.8362023-08-07 00:03:33
295kargul0938.6772023-08-28 11:23:45
296enjar38.6602023-08-06 13:47:09
297brumest38.3072023-08-30 16:16:09
298diehardknocks38.0142023-08-20 19:06:30
299kheldar198238.0072023-08-12 11:39:54
300mathowl37.7552023-08-22 05:48:03
301wandereronwheels37.6362023-08-25 20:50:21
302mithivehabzahlen37.5912023-08-12 06:13:51
303mobbs37.5102023-08-26 12:24:30
304yozen36.7702023-08-12 16:04:33
305steem.services36.6112023-08-07 17:55:15
306obvious36.4772023-08-05 18:57:24
307kaeserotor36.3672023-08-07 20:47:15
308darth-azrael36.1192023-08-25 03:27:21
309sanjeevm35.9332023-08-17 04:39:21
310megapiupiu35.7432023-08-31 14:25:09
311orestistrips35.5372023-08-24 15:11:18
312dandays35.4642023-08-21 00:17:06
313xcoonxhd35.3722023-08-19 08:51:45
314megapiupiu35.1642023-08-01 14:24:15
315jfang00334.7842023-08-24 07:13:30
316seckorama34.6192023-08-09 21:27:27
317travelfeed34.5172023-08-07 08:37:09
318sandymeyer34.4792023-08-28 07:50:51
319holbein8134.0652023-08-25 12:32:21
320bil.prag34.0372023-08-29 16:38:33
321rarej33.8872023-08-24 09:56:33
322jankos5533.8632023-08-26 18:56:21
323mortalibus33.8302023-08-07 13:38:42
324primersion33.5922023-08-15 12:37:12
325shmoogleosukami33.5662023-08-12 12:45:42
326blind-spot33.3262023-08-19 09:52:45
327claudio8333.1712023-08-26 05:57:09
328tokutaro2233.1362023-08-14 21:50:54
329splinner4winner33.1172023-08-31 15:41:54
330steemaction32.9782023-08-23 08:27:54
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I'll ask one more time, people usually ignore me, so I won't bother after this one. But, where do the payments go? I have received one interest payment months ago and now I get nothing. Is there something I have to do to trigger the payments? Or is this just another broken feature of Hive?

Cg

https://peakd.com/@cryptogee/wallet

Step 1: Sign in
Step 2: Push button

Cool, thanks dude, I've never used that wallet.

Cg

PeakD is a solid option. Has a lot of nice features.

Interest payments are not automatically sent. They are accumulated over time and not paid until claimed. To claim HBD, a transfer action is need. Sending or receiving HBD would trigger a claim.

What I normally do is withdraw 0.001 HBD from Savings to Liquid wallet to trigger the payment. However, interest payments can be claimed once in 30 days. If 30 days have not passed since the last payment, trigger won't do anything.

As Nonameslefthouse pointed out, peakd's wallet has a feature to claim the interest payment by a click of a button. It also shows the amount of days passed since the last claim.

I hope this answers your questions.

Fact Check: Nonameslefthouse didn't point anything out. Nonameslefttouse did.

Anyway. You're doing a fine job Geekgrill. Thank you for your existence.

I am sorry. For some strange reason, I always remember the ending as House.
I am sure I will make the same mistake again in the future. Apologies!

#nohouseslefttobuild

Thank you!

lol it's all good. Common misspelling.

That's mental! I've always seen an 'h' in your name. Lol.

Cg

That part of the name plays tricks on the eyes.

Lolz, I was just about to ask the story behind the name and then I properly broke it down. No names left to use! 🤣🤣 I love that I didn't see that. The human mind is a quirky old thing isn't it?

Cg

Fact Check: When I was reading the comments (not sure why I was reading these old comments) that part tricked my eyes as well and when Geekgirl said house, I just read house and I didn't care to notice if it was wrong cause I spelled house in my mind as well when I was reading your reply.

Ahhhhhhhhhh, I see!!!

Thank you so much, I was wondering what the hell was going on! Everyone seemed to be getting paid apart from me! 😁

Thanks again!

Cg

btw, why did you think you're getting ignored? as that's what you pointed out at the beginning of your comment.

It's quite self-explanatory. I've asked the question before and not got an answer.

Cg

Wow I almost made the top 300. Inspires me to add more. Damn, if somebody stole the keys to lazypanda... they better have that account secure as fook

Stealing is bad, and Hive wallets are secure!

I'm surprised more people didn't take advantage of the 20% interest while it was available. 20% is even higher than my credit card's interest payments. Becomes hard to sustain as the base effectively doubles every 3+ years.

It's still at 20% for now.

Yeah it is for now. I've been converting my HBD to Hive these days because I think there's more upside there but 20% "risk-free" is definitely attractive.

It’s always wonderful to see HBD reward people that believe it. Talks around what should be done and how much interest are good as allow critical analysis, which can eventually expose weaknesses or land at a lasting solution that will benefit everyone for a long time to come.

I am happy to see myself still in the 300s or so of the list. It makes me wonder how things will change because there are talks about changing that 20% APR.

I think we prefer it at 20%. It's rewarding and encourages our engagement.

This month the payout is 12 HBD for me! I will keep it up!

Have a good September!

Well I'm certainly glad to see that things might not change with the APR. Everyone may have their disagreements towards it but I think it has encouraged a lot of people here on Hive.

The interest I received from HBD savings is much better than what I received from bank savings.

That is a huge percentage, and will save some of my HBD Thanks for this

Wow.... So good to see hbd giving 20% interest reward to users .... Even it help to engage more n more to hive platform... Hope to see my name in the list once...

I actually think I need to do better. My name is not on the list and I will do better
Kudos to everyone on the list.
Congratulations to all

To my own perspective, I will leave it to still be at 20%

wow such a huge earnings in a year wish i had spare cash to invest right now am in the mission to grow my hive power first but someday we will get there

The way we were seeing that people's sunday was too high and now they should not lower the APR, people's credit will be lost, then people will start withdrawing their money from here. Is to go above the market.

Even if APR is lowered, it would still be around 12-15%, which is not bad.

Yeah its not bad

This time I removed but soon I'll in this list

Excellent view on tokenomics

I would prefer it to stay at 20% as long as it is sustainable.

20% APR is a very good stand, since it has been tested and it is work well. The APR for HBD is another form of generating more funds while you save, this type of APR is normally seen crypto token, not stable coin. This is a welcome note for everyone, and with this I think that HBD with time will have more recognition.

Wow, that's a huge amount of money. Lazy panda is on the top with others on the list. thanks for this informational post.

en el mundo defi existe apr de 3 dígitos que se pagan, un20% no es nada para inversores de gran capital, siempre buscaran los mejores rendimientos y en un mercado bajista bajar ese apr deja de ser atractivo y dejamos a los inversores en manos de la competencia de afuera =^^=

125k? amazing , i remember how was years that payments was 10k...

Food / Grocery Inflation is greater than 20 % ….

Everything is so expensive now!

Yep. And going up every single day. Nothing can be done… except to stack more Bitcoin.

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