If you're not a big fan of stables I completely understand. They do nothing after all by way of price movements and they are not without risk as we have seen with the likes of USTC in the past. Some people are only concerned with investing in a token that promises returns and volatility is part of the thrill. The thing with volatility though is that while the upticks might be good, the downtrends can be heart wrenching.

When we witness a slump, it affects us no matter how much confidence we may have in the project. This is especially true when the bears last a really long time and it seems and end isn't forthcoming. It is at this time some investors look at stables and suddenly take notice of their unflinching nature for the most parts. Some begin to explore the option of a diversified investment strategy while others wish stables offered some form of returns to make them attractive.

If you look hard enough though, stables are becoming a lot more attractive than ever before, It is now possible to get returns on stables that exponentially increases their attraction while maintaining relative stability. Of course such returns may not rival what the wild swings might produce, but with enough compounding they could potentially prove to be more refined, subtle winners.

Our own HBD offers 20% APR for now which is better than you'd get in any traditional bank. It has also done this while being able to hang around the $1 peg as the Hive asset itself moves in accordance with market forces. Leofinance also offers stable investment options that yields noticeably higher than the HBD option, but also carries more risk. Most Hive users who hold significant portions of both Hive and HBD should be able to tell you the difference in their view quite easily.

Utility

Stables are a real good option to explore if you don't want to be too vested in market swings in the crypto space, but that's not all. They play very key roles in the development and overall success of the entire space. We should discard the notion that the crypto space will be forever affected by price swings as at some point, relative stability is what would be required to really build trust in the system.

The uses of stables are also comprehensively highlighted. Most payments and trades in the crypto space are done with stables for obvious reasons. They are a good way to lock in on value in the short and long term. If you are in the space for just the returns though, I can understand how this may be difficult to accept when there are projects delivering exponential profits (and losses).

Experience

I think one good way to handle stables and maintain a diversified portfolio is to ensure that we have defined use cases for them. A place like the Hive chain for instance lets us keep building on our stables while taking note of the different options on offer (returns, trade value, transaction speed). This gives us a better appreciation of what stable coins really have to offer. I believe they are going nowhere, and HBD is as good as it gets when it comes to them.

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