The most Common topic recently is about the HBD and I think this is good news to hiver ,the increments interest savings of hbd the as been a good ,this as been a great news to the community,this will bring more people to buy more hive and convert to hbd ,20% a year on an investment is not a small profit,I know everybody will want to invest in hbd now ,
firstly hbd is a stable coins back by dollar,whick means it can't fluctuate in price ,your capital is save and your profit is save why won't you use this opportunity to invest in HBD,but every that have advantage and disadvantage, am little concern the effect that will cause
Effect on hive
The increments of APR on hbd might have little effect on the price of hive ,we all know the main focus is buying and powering down hive ,and to curate good content post, remember the most important thing is content curating , adding value to the community
Curating bring more author with positive post that will add value to the community, sharing of knowledge through article but how will author write post when there is no guarantee that it will fetch money ,
when most curators have already power down thier hive and converted to HBD to get interest of 20 percentage, investing in HBD free risk investment because HBD won't depreciate and investing your money in it will bring you additional 20% return, that is a huge amount profit,
who doesn't like a good thing,I believe as an investor you invest in what will be free risk and won't stress you , curating post is not an easy thing, reading different post and curating ,this will probably takes more than hours, so this is an opportunity to invest in what won't give you stress
EFFECT ON COMMUNITY UNDER HIVE
hive is a home to different community ,name it leofinance ,splinterland ,proofbrain and many more in which all those community have their own coins , also called token, which the price of these token may be influence by the price of hive , the curators and investors
Should I say token is more volatile because he doesn't have more investor like mothers coins for example hive ,a token can be influence by few investor,if a strong investor decided to buy token for example PoB token
he may makes decision on the price of PoB because they are few investor buying PoB, so what if that investor see a better opportunity like HBD and decide to sell all is PoB and invest in HBD because of the 20% returns without doing anything,risk free investment,is this not an example of negative effect on community under hive
THE TRUTH EFFECT
Reading this article you might have conclude that HBD might truly have negative effect on hive or community under hive , that is a big lie ,it will bring positive effects,as a trader or investor that is what I literally think before I ask 
HBD is a stablecoin. It is not a backup investment. It is a token that is designed for a different purpose. Hive has a lot of attributes that allow people to operate on chain. With HBD, we are going to have to evolve into engaging in commerce with it. Applications will start building it in and accepting it as payment
I know couple of people would have be thinking, what if the increments of HBD APR have negative effect on hive ,so the purpose of this article is to clear doubt ,the effects will bring more investor and will bring effectiveness to community under hive , remember competition bring bring growth
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