The determination of the value is currently pegged to the USD. Yet, in code: 1 HBD = 1 HBD.
What I'm trying to say here is; if you have 100K in the bank, you might not be able to retrieve 100% of it, whether its value is declined or risen.
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While with HBD, whether its value declined or rose, you will be able to retrieve 100% of your HBD.
If you know how the traditional financial system has used FIAT money to 'create' money. This is a massive.