RE: Hive Bonds: Time Vaults Are On The Way
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Before going any further, we know this is going to happen,
Thank you for bringing this to our attention. After giving things a bit of thought regarding the APR debate, I think the core of the issue comes down to the disproportionate time commitment between withdrawing HBD savings (3.5 days) and powering down Hive (3 months!).
With time vaults, this is going to give pause to anyone thinking of depositing HBD into their savings looking to reap the %20 rate. Your preaching paid off, congrats!
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While that is perhaps a consideration, I think simply looking at the time to access the capital is a mistake. HP and HBD are completely different asset classes, with different benefits.
Fixed income versus speculation.