I never said 15% is where the rate should be. When I put that out there, it is what I thought the Witnesses would raise it to after the hard fork.

The jump to 20% is perfectly acceptable. In fact, we could go much higher as we need a lot more HBD. For example, how are we going to get 10 million HBD in a liquidity pool? The answer is from conversion. There is no other way.

Once we have decent liquidity, people can start to develop use cases. HBD should be the de facto payment token that every application on Hive uses.

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