RE: Variable Staking | The Future of the CUB Kingdom!

Cubdefi fills an essential gap for Hive. Being able to convert Hive and HBD into investments in liquid form provides a significant advantage.

Yield differentiated by maturity would help liquidity management. It's a method that has been used in traditional finance for decades. Pancakeswap and Kava use this method. It contributed quite a lot to their price performance.

It would be nice if Leo Finance would use the Hive power as collateral as the next step to extend a loan. Also, of course, it would be nice to be able to withdraw Cub credits in exchange for liquid Hive, HBD, Leo, and SPS.

The next step may be to issue microcredit based on reputation. Hive has a reputation system, unlike other networks. Reputation scores are less reliable due to bot usage in the Steemit era, but at least they can be used as data. It is also possible to look at criteria such as the date of joining the network, the use of Hive applications, the votes of witnesses, and the Hive assets owned. In the crypto market, loans are always given against cash collateral. Half of the retail banking profits in traditional finance originate from unsecured loans. The previous payment behaviors of individuals and declared income are among the criteria for evaluation. People who earn income by working as bloggers, developers, and witnesses care a lot about their reputation on the network. This reputation can be used as collateral for a microloan.

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