20% might be too high then.
As you said, still below other yield farming but who says that has to be the goal.
Maybe a rate of 8%-10% on the HBD in savings.
Still high enough to put money into, especially compared to the banking system, yet not so outrageous as the 20% level.
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the number is not definite and witnesses can adjust it when ever so i think it will be a let's see how this number works for a while.