Looks like there were a LOT of great news coming from the HIVE ecosystem these past few days ... and one of it was that HBD savings is now 20% as top witnesses has support the increase of interest rates for HBD savings.
If you are in Malaysia and have lets say MYR10,000 to put into your bank account and let it sit there for 12 months .. this is basically what you would be getting.
The highest interest rate that is found is about 1.7% p.a. Which is almost ridiculously low. You can't even buy a decent meal for the family.
Currently the highest payouts for Stable coins in the defi space which I've seen (i could be wrong) is in Ancor protocol which has a rate of about
However the high APY is due to the fact that your UST is being compounded automatically leading into a higher interest rate. As for HBD the calculation is a bit different and its more like a fixed value of interest paid (a promise of an interest) which guaranteed of 20% fixed. (until the witnesses changes it once more)
Regardless .. the value being provided is still way much higher than any traditional finance and as of now the price of HBD has been pretty much stable.
For the short term .. we may actually see the price of HBD start to pump as the rate of 20% is really attractive for most defi players however its not really easy to purchase any HBD at the current moment as of now there are only 2 centralise exchanges which provides this pair.
However from 
Looking forward for more great stuff coming out from the HIVE community ... cheers all and have a brilliant day ahead. !