If HBD savings will be still offering a 20% APR when the time will come and after this bull market I will have some cash aside so I can put into HBD savings then I will happily do that. I think 20% APR for HBD is great and it’s a great hedge for a future bear market that will follow the current bull market. I also think that HBD being decentralised and non controllable by external powers is way superior to USDT for example. Great read by the way.