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@temibot
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Of course, there are lots of people who are not even into HBD savings scheme cos they refer to the 12% as low or because they tend to transact with their HBD fast. If it were 20%, it will drive more users to the savings, inturn more HBD are saved - staked - and more CommItment, financially. @themarkymark this is a great idea for me..
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