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xPolyCUB - Loan - HBD: the ingredients for an independent and satisfying economic future

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@claudio83
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APR 20% per annum represents an exceptional choice for our ecosystem but above all for users, especially for those who have the possibility to apply for loans by providing cryptocurrencies as collateral, see for example the Anchor protocol. The good news is that in the coming months it will be possible to apply for loans on PolyCUB using xPolyCUB as a guarantee and this opens up really dynamic scenarios and to the total benefit of users.

The lending mechanism will work something like this: for example, I will commit 2000 xPolyCUB and receive a stablecoin loan of around 50%. For simplicity's sake, I'll give the value of $ 10, so my loan will be $ 10k in USDC (or maybe HDB too?).

Now my strategy will be to move my $ 10k into Savings HDB and get an annual APY of around 22%. This means interest of $ 2,200. In about 5 years I will get 11k dollars (in reality with the monthly compounding it will certainly be a higher amount). At this point I will be able to pay off my debt + a small interest in PolyCUB, get my xPolyCUB back (in the meantime the price will certainly be increased) and I will have 10k more HDB in my account.

Folly? Absolutely not, everything is fucking reality!

This calculation scheme is applicable to any amount received as a loan and obviously takes into account the current APR of 20%. The calculations will change if the APR value changes over time.

Furthermore, at the end of the 5 years, my theory is that xPolyCUB will have an exponential value to that of today, so it will be possible to ask for a new, more conspicuous loan and continue to accumulate money without any effort. In this way I will have multiple advantages:

  • Loan repaid in 5 years
  • Availability and liquidity of the initial loan
  • xPolyCUB always in my possession (no sales were needed in this one)
  • Appreciation of xPolyCUB value (scarcity and increasing utility)
  • New availability for requesting other loans

The logic of my reasoning is quite simple and demonstrates how a PolyCUB investor can benefit significantly from the aid of HBD's loans and income. Furthermore, HBD is an algorithmic stablecoin closely linked to HIVE. If you own HP or HIVE, you will understand the enormous potential for the coin: as the demand for HBD increases, the value of HIVE will grow exponentially. If loans for Hive Power owners are also available in the future, the possibility of having an independent and satisfying economic future may never have been so real.

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