I think the apy loaning is coming to the network. I heard whispers of one user doing so.
Also I think the best case scenarios raise also need to look at competition, Hive was an early working model and it's great. But a fork from Steemit made two. No doubt in the future there will be more forks and more networks.
Competition will enter the market and new initiatives and blogging sites will start up.
Well done on your stack though, I did learn that there is a tax on earnings that don't exceed 20 Hive per payout.
This limits smaller accounts and prevents growth. As the hive price grows so to will that tax as 20 hive is further away from being reached.
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I think for it to really be successful, it would have to be part of the core functionality of Hive.
There are several forks of Steem, most have no developers that can build on the blockchain - which is a bit of a problem, as they end up with only a condense and not much else.
There is no tax, there is a curve and that curve can be and likely will be removed in the near-term future. It was part of a package to curb abuse of various kinds and it worked well enough that parts of the package could be removed.
I understand the concept but what's missing is a top. There needs to be a curve that prevents abuse at the top end from people who stack.
Either way, great work on the future projects coming out and the changes implemented by witnesses to make change in progressing the block chain.
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The curve at the top to stop abuse is through downvotes. It has been effective enough that the curve at the bottom could be removed.
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