Kadang kalau lagi bengong, otak ini suka jalan-jalan ke tempat yang aneh-aneh. Salah satunya ya mikirin hal kayak gini: “Andai aku punya uang nganggur 25 juta rupiah, bakal diapain ya?”
Serius deh, aku bilang uang nganggur lho, bukan uang buat belanja harian, bukan uang sekolah anak, bukan juga uang buat bayar listrik dan beli galon. Tapi bener-bener duit yang nggak kepakai, yang kalau ditaruh aja nggak bikin kepala pusing mikirin tagihan.
Nah, biasanya kan orang kalau punya uang segitu, pikirannya langsung ke dua hal: belanja atau tabungan bank. Belanja bisa jadi motor, gadget, atau mungkin jalan-jalan ke Bali. Kalau tabungan bank, ya sudah jelas, masukin ke rekening lalu biarin aja.
Tapi aku kok ngerasa kalau ditaruh di bank, kayak sia-sia gitu ya. Bunga tabungan kecil banget, nggak sebanding sama inflasi. Nanti duitnya malah kayak diam doang, sementara harga-harga naik pelan-pelan ngalahin nilai simpanan.
Makanya aku mikir: kalau benar-benar punya uang nganggur 25 juta, aku lebih sreg buat investasi ke Hive Backed Dollar (HBD).
Kenapa HBD?
Nah, buat yang belum tahu, HBD ini adalah salah satu token di blockchain Hive. Dia tuh mirip kayak stablecoin, nilainya dijaga di sekitar 1 USD. Bedanya, HBD ini punya fitur yang menurutku super menarik: bisa disimpan dengan bunga 15% per tahun.
Coba bayangin, punya Rp25 juta (anggap kurs 16 ribu), berarti dapat sekitar 1.562 HBD. Kalau ditaruh di saving HBD dengan bunga 15% setahun, kita bisa dapat 234 HBD tambahan. Kalau dihitung-hitung, itu setara sekitar Rp3,7 jutaan setahun, atau kira-kira Rp300 ribuan per bulan.
Lho, Rp300 ribuan sebulan tuh lumayan banget lho. Buat bayar tagihan internet rumah sudah bisa, atau sekadar nambah-nambah jajan kopi kekinian biar nggak merasa jadi manusia paling stress sedunia. 😅
Kalau Dibandingkan Sama USDT?
Aku tahu, banyak orang kalau bicara stablecoin pasti pikirannya langsung ke USDT. Memang USDT itu gede banget pemakainya. Tapi jujur aja, aku agak kurang sreg sama modelnya USDT.
Kenapa?
Pertama, soal auditnya masih sering dipertanyakan. Benar nggak sih mereka punya cadangan sebanyak klaimnya?
Kedua, kalau simpan USDT ya cuma diam aja. Nilainya tetap 1 USD, tapi nggak ada tambahan. Jadi ya sekadar numpang tidur aja duitnya.
Sedangkan kalau simpan di HBD, ya selain nilainya relatif stabil, juga ada bonus bunga 15%. Kayak ditaruh di deposito, tapi versi web3, lebih fleksibel, dan bisa dicairkan tiap bulan.
Jadi, kalau disuruh milih, aku jelas lebih pilih HBD.
Kelebihan HBD yang Aku Suka
Selain bunganya, ada hal lain yang bikin aku betah sama HBD:
Transparan. Semua transaksinya ada di blockchain Hive. Jadi nggak ada drama kayak “aduh server mati, duit saya mana?”
Gampang dicairin. Mau ditukar ke Hive, ke USDT, bahkan ke rupiah, bisa lewat beberapa exchanger.
Komunitasnya hidup. Hive itu isinya orang-orang kreatif, blogger, gamer, konten kreator. Jadi simpan HBD tuh terasa kayak jadi bagian dari ekosistem yang rame, bukan sekadar nyimpen koin mati.
Penutup: Namanya Juga Berandai-Andai
Ya, balik lagi, semua ini masih sebatas andai-andai. Andai aku punya uang nganggur 25 juta, aku bakal langsung masukin ke HBD. Biar setiap bulan ada “uang jajan” tambahan tanpa harus kerja ekstra.
Tapi ya namanya hidup, seringnya kita bukan mikirin “uang nganggur”, tapi malah “uang yang kurang” 😅. Kalau ada uang lebih dikit aja, biasanya sudah lari duluan buat kebutuhan sehari-hari.
Tapi nggak apa-apa, namanya juga mimpi. Kadang mimpi itu bisa jadi motivasi. Siapa tahu suatu hari nanti benar-benar punya uang nganggur segitu, dan langsung aku eksekusi ke HBD.
Kalau itu kejadian, mungkin aku bakal senyum-senyum sendiri sambil mikir: “Lah, ternyata berandai-andai itu nggak sia-sia juga.”
If I Had 25 Million Rupiah Just Sitting Around
Sometimes when I zone out, my mind wanders into random places. One of those “what if” thoughts is this: “What if I had 25 million rupiah just sitting around, not being used for anything?”
And I mean extra money, not the kind that’s needed for groceries, school fees, or paying the electricity bill. I’m talking about money that’s free to breathe, money that wouldn’t make me panic if I just parked it somewhere.
Most people, when they suddenly have that kind of money, would probably think of two options: spending it or saving it in a bank. Spending could mean buying a motorbike, the latest gadget, or maybe a nice vacation to Bali. Saving in a bank? Well, just throw it into an account and let it sit there.
But honestly, keeping it in a bank feels kind of… useless. The interest is tiny, nowhere near enough to fight inflation. The money just sits, while prices slowly creep up and eat away at its value.
So if I really had that extra 25 million, I’d prefer to invest it in Hive Backed Dollar (HBD).
Why HBD?
For those who don’t know, HBD is a token on the Hive blockchain. It works like a stablecoin, with its value pegged to around 1 USD. But here’s the kicker: HBD offers something that really caught my eye — a 15% annual interest rate on savings.
Imagine this: with Rp25 million (let’s say 1 USD = Rp16,000), that’s about 1,562 HBD. If I put that into HBD savings, at 15% per year, I’d earn around 234 HBD in interest. That’s roughly Rp3.7 million a year, or about Rp300,000 a month.
And hey, Rp300,000 a month is nothing to sneeze at. It’s enough to cover the internet bill at home, or maybe treat myself to a couple of fancy coffees so I don’t feel like the most stressed-out human alive. 😅
Compared to USDT?
I know what some people might say: “Why not USDT?” It’s the most popular stablecoin out there, after all. And sure, it’s big. But honestly, I’m not that comfortable with USDT.
Here’s why:
First, its reserves have always been under question. Do they really back up every token like they claim?
Second, holding USDT doesn’t earn you anything. It just sits there, tied to the value of the dollar, with no extra perks.
With HBD, on the other hand, the value is relatively stable and you get that sweet 15% bonus interest. It’s like a digital version of a high-yield savings account — but better, since you can withdraw the interest monthly.
So if I had to choose, I’d go for HBD over USDT any day.
Other Things I Love About HBD
The interest rate is amazing, sure, but that’s not the only reason I’d go for HBD:
Transparency. Every transaction is on the Hive blockchain. No shady “Oops, server’s down, where’s your money?” kind of drama.
Liquidity. It’s pretty easy to swap HBD for Hive, USDT, or even cash it out into local currency via exchanges.
Community-driven. Hive is buzzing with creators, bloggers, gamers, and innovators. So holding HBD feels like being part of a living, breathing ecosystem — not just locking coins away in a vault.
In the End: Just a Daydream
At the end of the day, this is all just a “what if.” If I ever had 25 million rupiah just sitting around, I’d definitely park it in HBD. That way, every month I’d get a little extra income without lifting a finger.
But real life? Most of the time it’s not about “extra money,” it’s more about “not enough money.” 😅 Whenever I get a little surplus, it usually vanishes into bills, groceries, or some other necessity.
Still, daydreaming like this isn’t a waste. Sometimes it’s the spark that motivates me. And who knows? Maybe someday that 25 million will really land in my hands, and when it does, I’ll be ready to move it straight into HBD.
And if that happens, I’ll probably grin to myself and think: “Well, I guess daydreaming wasn’t so pointless after all.”