I am putting a little bit more HBD into my savings each month and that is like an emergency fund. The 20% APR is better than what you get at a bank but I do expect it to drop over time as the HBD supply expands.
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Don’t forget it’s taxable, plus linked to a currency loosing value. I’m only getting into this now. I’m late to party so I’m learning as I go but the EU & USA will be coming for that 💵 in taxes.