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It's my hive so I'll do with it as I please, and since we got HBD it only makes sense to balance those and convert some when the time is right.

Risk allocation :-)

how about the ability to use your Hive as collateral to take out a loan?

While I know this is a thing people talk about with bitcoin I don't think Hive works in the same manner and therefore haven't really thought about that.. I'd be fine putting it in HBD savings or even locking it up when thay becomes a thing

or HBD, this works fine too. If it could work, it’s a feature I’d love

what does that mean??.

Permanent coin lock or what??

Got me Curioussss..

Because you can now take a loan on it easily and in a fully decentralized way. Very interesting stuff