RE: How pHBD Can Help Other Hive Applications

I recalled that Ragnarok would use HBD as the primary exchange coin.

I also believe in the potential of the financial supermarket concept. Time vaults would help to manage liquidity. Pancake swap syrup pools can be seen as an example.

On the other hand, I have an idea about Hive power secured loans. I will quote from an article I wrote recently.

The use of credit helps establish a long-term relationship between the financial institution and the user. In this context, retail banks try to allocate a credit limit to every individual with credibility.

Hive users, on the other hand, invest funds into the blockchain by powering up. Hive users can be provided with the opportunity to withdraw credits of a certain percentage of their Hive Power. If the loan to be drawn is in Hive, the collateral rate may be lower. For loans to be drawn in HBD, the collateral must be higher. Even being able to withdraw credits up to 25% of my Hive Power would have pleased me as a user.

It is also conceivable to implement such an application primarily on tribe tokens. @leofinance stands out as a strong candidate in this regard.

We can combine this idea with the time vaults. People with funds in the vault can take loans for instant cash requirements.

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