Definitely worth considering.

Ever since the announcement of 20% APR, I have started socking bits of it away because I believed it could not last. I wouldn't feel right if I put all earnings in HBD as Hive has so much more utility and token value upside in my mind. Plus, a growing stake with higher value upvotes gets attention much better and my network here is by far my favourite asset.

I want to see HBD used as transactional currency. Pretty simple what the value is give or take a few points and it is as easy and quick to spend a couple HBD on a coffee as anything else. Having a business collecting these and turning them around to pay rent or make debt payment, or even sock it away for an APR better than the banks offer would be excellent. Having a 20% APR on that is like spending from your savings account to buy that coffee. Not gonna happen!

Not sure how long the APR can last. I am pretty sure something has to give as a growth phase would screw with the peg when people have a reason to join en mass. 20% APR is going to become more attractive as more exchanges make it easier to buy and sell and a million new users will kill the liquidity in a heartbeat if they do their diligence while 20% is still there.

I will keep socking and hoarding as long as I can and make sure to powerup along the way as the network is the lasting asset here for me.