Same as you I am building my HBD savings for 2022. HBD is a great product as it gives very acceptable returns on an stable assets without third party risk. I feel way more confortable having HBD as my main stable coin just in case the market turns bear in 2022. I really hope the witnesses are going to keep the interest above 10%, I believe in the medium term it will slowly bring more people to Hive because people are going to be seriously looking for ways to protect their accumulate wealth from this cycle and it might be are job to show them that HDB is a possibility for them.

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