Certainly a lot of this is not novel. We are all in the copycat business. Even if not looking at another project, the odds of many of us coming up with something completely new is not likely. If I can think it up, someone else like has also.

That said, this is a simple innovation on Hive. We already have the saving account in place. As another mentioned, the idea of just one CD based system out there does not strike me as the way things will unfold. How many NFT platforms are forming? How many DeFi apps? The key here, from my perspective, is to build a fix income market on Hive, at the base layer. There are thousands here (and hopefully more in the future) who would like to participate in more things.

Plus since HBD is something we could be using in the future, why would we not want to stake our HBD in a system that pays HBD? If I get paid in it, that is something I can use where I am at. Does HEX help me with Ragnarok? Sure I can convert it which will get easier over time but why go through that if I have the service already here?

I can opt to invest in assets that pay me in Japanese YEN but prefer not to since I have no use for YEN.

As for collaboration, an interesting idea. Now sure the different chains would work together since completely different technologies. What could be very interesting is what some layer 2 developers come up with. Could there be a way to bridge projects on Hive with what is taking place on Pulse?

That is where I see interoperability coming from.

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