How great to see you two together in the video!!
It was juicy to get 20% APR for HBD, even 15% is. However, offering such a high profitability does not help the staked HIVE look attractive. I think that the APR of the staked HIVE should always be at least twice the APR of the HBD. I would like 7% better.
What we have to keep in mind is that the interests on HBD are printed out of thin air. It means that new tokens are just minted to pay these interests and it's printed in HBD, which, when exchanged to hive represent a lot of hive that is added to the mix and devaluating all the hive tokens in existence...