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In a bull market you can get 500%, 1200%, 2000%

I am talking about reputable sustainable projects....
Give me an example of one which offer 20%

It's not about interest - it's about risks: interest in a bank and interest in a relatively small blockchain are two different things.

Risk in investing in stablecoin is "relatively small" compared to other crypto related products. You can compare that with staking, which also hold some risk in form of project complete collapse

Yes, but this is if you invest millions and we are talking about ordinary people with 100 $ - the risk in a stablecoin is not great, but the potential benefit in a coin is many times greater - I am afraid that if the rate is lowered, many people will leave the project - that’s all I wanted to say.

Please understand that we talk about HBD stablecoin and not about HIVE

P.S. APR interest is not dependent on bull or bear market, it's always the same. You probably mixing your numbers with something else

I don’t confuse it - it is the same but has a different meaning for a person on a bearish and bullish cycle!

What is the difference???
20% APR in US dollar pegged stablecoin is completely the same does not matter the market conditions

No and again no, under different market conditions 20% can be either a little or a lot!

20% is 20% always.
If you want to compare it with high risk investment it's different story. Just can't mix apples with pears in discussion

I understand you - just talking about the same thing, we have different views on the economy - I don’t pretend to be right (but I am a supporter of not touching what already works well)