RE: 12% What does that really mean?

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12% is more than any other kind of savings account ever. For HBD to be a true stable coin, it needs to be increased quite a bit in my opinion to get more HBD into the market.

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It is a catch-22. We need to see some use cases for HBD showing up. The idea of creating more HBD without use cases is tough.

We are going to need a lot more HBD in the future. It will take a bit of time for us to reach that end. In the meantime, we just need to keep adding more into HBD on a regular basis. The more of that we do, the more of the process that is starting.

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