Idea 1:

Create a staggered APR and work better on external offerings, better apps, and community-backed marketing by working with experts.

Month 1-2: 15% → 12% (savings: ~330K HBD/year)
Month 3-4: 12% → 9% (savings: ~330K HBD/year)

If the market recovers by 50%, it can be set at 12%, observing the 24-hour buying and selling capacity on exchanges.

Currently, we have very few products that innovate on a large scale.

Idea 2:
Implement improvements in the DHF or create a grant-based competition to seek a balance.