Following the launch of the lending system by 
Honestly, it's a win-win situation for the blockchain and the community. Users wouldn't have to sell their tokens to expand into new investments, and the blockchain would have another effective method of token burning to reduce inflation.
Furthermore, this solution, implemented directly on the blockchain in a hard fork, would eliminate the need for a trusted third party. It's something that can be done—a native function comparable to on-chain conversion from Hive to HBD and vice versa. In this case, the process would be instantaneous.
Basic rules: a preview
A user "freezes" Hive as collateral and can borrow up to 80% of the Hive's value in HBD.
The interest rate could be determined by witnesses (similar to the APR of Hive Power or HBD) or set at a fixed rate between 6% and 10%.
If the price of Hive decreases and the value of the collateral equals what is needed to cover the loan plus the annual interest, then it is liquidated. If the user does not pay the interest and the debt equals the collateral, the transaction is liquidated. This means that the collateral is destroyed, thus reducing the effective Hive supply.
If the user pays the debt plus interest, then the returned HBDs are burned and the user recovers their collateral. If partial payments are made, they are burned, and the debt amount is reduced.
These would be the basic rules. Others could be considered as a security or protection method, or additional possibilities such as using Hive Power as collateral.
However, with these basic rules for the on-chain lending system using Hive as collateral, it would be guaranteed that each loan would contribute to reducing Hive inflation. Even those who take it to put it in Savings and obtain an APR that exceeds the loan interest:
They risk being liquidated.
They would never obtain the return that converting all of their Hive to HBD and putting it in Savings would represent.
Other Considerations
An added advantage, beyond the benefit for current members of this blockchain, is that this functionality could generate extra demand for Hive from external investors and greater use and circulation of HBD as a stablecoin.
Beyond Hive as a Web3 or “social network,” the blockchain could be refocused from an extractive model to a financial and DeFi solution where the token's use would have greater weight.
This is an idea I ask witnesses to seriously consider and a functionality I ask developers to explore.
Pleas check to this others Ideas for the next hardfork
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