HBD - Hive-Backed Dollars - have completely changed a lot of perspectives about the Hive ecosystem. I regularly talk to a lot of different types of Hive users, investors and curious whale outsiders who look at the Hive ecosystem.
Hive is rather complex but also simple. To any of us who have been here for any length of time, Hive is a living organism. We spend so much time on this blockchain that we begin to understand it as a living, breathing organism that is always in a state of evolution.
For outsiders, it looks like a super complex ecosystem with so many different game theory mechanics, it could make a grandmaster chess player's head explode.
In my opinion, HBD has radically changed the financial value proposition on Hive. I think HBD has the potential to moon the HIVE price. $100 HIVE doesn't seem too far off in a world where HBD begins to gain stablecoin-level adoption in the broader markets.
Look at what happened to LUNA and UST. They exploded in popularity thanks to the 20% Anchor interest rate on UST savings. This led to massive scale development on the Terra ecosystem and devs & teams flocked to the ecosystem to build.
Obviously, we know the final chapter of LUNA & UST. The whole damn thing imploded because the system was built on unsolid ground. The foundation was easy to death spiral and a few bad actors managed to hit the lead domino's. One question remains: is that possible on HBD?
In many opinions, the answer is no. HBD has a lot of mechanics behind it that UST & LUNA do not. It's foundational that HBD has things like the Debt Ceiling, Haircut Rule, etc. that keep it from death spiraling.
But our topic today is the prosperous future that HBD can bring.
1M HBD in Savings
One user has been making waves on the Hive blockchain, his name is 
This is really awesome to see. He is by far and away becoming the largest HBD whale out there. Rivaled only by the DHF itself.
What this means for Hive is profound. $1M is absolutely nothing in the broader crypto ecosystem and even less than nothing in TradFi - where having anything under $1 Billion in AUM wouldn't even get you a seat at the table.
One thing I love about this is proving that HBD is becoming more trustworthy. HBD has been around for a while but the 20% interest rate has not.
I believe that making this change and putting in the 20% interest rate is one of the best things that Hive witnesses have ever done. It's an absolute game changer for adoption.
We've now opened Hive up to being adopted by financial whales who care only about money... and that's a good thing.
You need to have "VCs"... you need "hedge funds"... You need "whales". Whale adoption is key to a healthy economy. They create liquidity. They have whale friends. Yada yada yada.
HBD: The Future of Hive
We all love Hive for the dApps and technology that it brings but whales will love Hive for the 20% interest rate they can earn on stablecoin savings (HBD).
While there are many narratives driving future growth of the Hive ecosystem, I believe HBD is becoming a core pillar in what will push HIVE's growth as a currency, ecosystem and financial "supercenter" - as 
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