I suspected a month ago that witness governance could reduce the HBD APR. That is required in order to keep the value of HBD. If the 20% APR could have enticed investors, it would have been great, but nothing spectacular, and if it is decreased to 15% or 10%, I believe it will be fine.

My piece about how I believe HBD interest will decrease soon

@asgharali/hbd-apr-expected-to-transition-from-20-to-16