About @Bank.SBD
@Bank.SBD is a steem service that aims to bring back the SBD-USD peg. It does that by providing cheap STEEM POWER delegations (loans) and only accepting SBD as payments. By this it creates an actual use case for SBD as a currency.
The SBD taken as payments is always priced at 1 USD (1 SBD = 1 USD) so anytime when SBD market price is below 1 USD, the delegations provided by 
Hive account@bank.sbd are cheaper the those provided by other services (dlease.io is taken as a reference point here).
Obviously the service needs a lot of STEEM POWER to be able to influence SBD price in any way - that's why those daily reports are generated - all the profit from those posts will be powered up so more STEEM POWER can be offered for delegations.
Current Data
Importants Stats
- STEEM market price 0.204 USD
- Delegation APR: 12.0% (www.dlease.io/market taken as reference)
- Delegation ratio: 1 STEEM -> 434 STEEM POWER delegation per week
- Delegation price: 1 SBD = 1 USD = 4.902 STEEM -> 2127 SP delegated per week
- @Bank.SBD delegation is 22% cheaper than actual market price (SBD price is 22% below 1 USD)
- Total account SP: 22197.0
- SP currently available for delegation: 0
Delegations ending in upcoming week:
To extend ending delegations, simply send any amount of SBD with memo:
extend. More about extend feature can be
found here.
How To Buy Delegation
To buy delegation, simply send at least 0.01 SBD to Hive account@bank.sbd with memo: delegate
By default the delegation lasts 4 weeks and the amount of SP delegated depends on how much SBD has been sent.
You can also state for how long you want to receive the delegation like this: delegate for 6 weeks
You can also state how much SP you want to receive for delegation like this: delegate 100 SP
Finally you can combine those two like this: delegate 200 sp for 5 weeks
In all of those cases the service will automatically charge the right amount of SBD and refund (send back) any SBD that were not used for delegation.
To extend current delegations, simply send any amount of SBD with memo: extend. More about extend feature can be found here.
Invest - Profit Sharing
Steem users can invest into @Bank.SBD in order to receive shares in profit that comes from selling the delegations. Please remember that because the invested STEEM/SBD will be converted to STEEM POWER, the investments are not refundable - so in a way the shares are a life-time investment.
Investing STEEM And SBD
Invested STEEM will be powered up - this will increase user's share proportionally to invested steem. Invested SBD will be automatically converted to STEEM and then powered up.
To invest, simply send any amount of STEEM / SBD to Hive account@bank.sbd with memo: invest
Share
User's share is calculated as a ratio of user's invested STEEM POWER and the sum of invested STEEM POWER from all users (user SP / sum of all users SP).
Bonus STEEM POWER For Investors
Currently @Bank.SBD receives additional STEEM power from 2 sources:
This bonus STEEM POWER will be added daily to all investors stake according to their share. This is done to increase their profitability since currently the delegations are being sold below market prices. Also please note that the earlier the investment, the more additional SP it will acquire over time :)
On the other hand the post rewards comming from daily reports are accounted as 
Hive account@steem.dao investment so all the profit generated thanks to those rewards will be send to Hive account@steem.dao account.
Current Investors List
Hive account@cardboard: invested STEEM: 14833.5, share: 66.829615%, invested STEEM POWER: 14833.5 (0.0 bonus SP)
Hive account@bgornicki: invested STEEM: 2000.0, share: 10.791657%, invested STEEM POWER: 2395.316 (395.316 bonus SP)- Hive account@steem.dao: invested STEEM: 1538.574, share: 8.043432%, invested STEEM POWER: 1785.32 (246.746 bonus SP)
Hive account@asgarth: invested STEEM: 591.103, share: 4.871419%, invested STEEM POWER: 1081.26 (490.157 bonus SP)
Hive account@mys: invested STEEM: 500.0, share: 4.473018%, invested STEEM POWER: 992.831 (492.831 bonus SP)
Hive account@dera123: invested STEEM: 648.262, share: 4.175099%, invested STEEM POWER: 926.705 (278.443 bonus SP)
Hive account@simplegame: invested STEEM: 50.0, share: 0.312358%, invested STEEM POWER: 69.331 (19.331 bonus SP)
Hive account@maxdm: invested STEEM: 35.0, share: 0.161178%, invested STEEM POWER: 35.775 (0.775 bonus SP)
Hive account@jacobpeacock: invested STEEM: 16.613, share: 0.078158%, invested STEEM POWER: 17.348 (0.735 bonus SP)
Hive account@wesphilbin: invested STEEM: 14.851, share: 0.077554%, invested STEEM POWER: 17.214 (2.363 bonus SP)
Hive account@cwow2: invested STEEM: 10.0, share: 0.047689%, invested STEEM POWER: 10.585 (0.585 bonus SP)
Hive account@technologix: invested STEEM: 5.0, share: 0.046378%, invested STEEM POWER: 10.294 (5.294 bonus SP)
Hive account@phgnomo: invested STEEM: 6.097, share: 0.034479%, invested STEEM POWER: 7.653 (1.556 bonus SP)
Hive account@minloulou: invested STEEM: 5.0, share: 0.025167%, invested STEEM POWER: 5.586 (0.586 bonus SP)
Hive account@urdreamscometrue: invested STEEM: 2.235, share: 0.010461%, invested STEEM POWER: 2.322 (0.087 bonus SP)
Hive account@sourovafrin: invested STEEM: 0.833, share: 0.007794%, invested STEEM POWER: 1.73 (0.897 bonus SP)
Hive account@upvotenev: invested STEEM: 1.208, share: 0.005893%, invested STEEM POWER: 1.308 (0.1 bonus SP)
Hive account@iampolite: invested STEEM: 1.0, share: 0.004915%, invested STEEM POWER: 1.091 (0.091 bonus SP)
Hive account@cadawg: invested STEEM: 0.418, share: 0.003735%, invested STEEM POWER: 0.829 (0.411 bonus SP)
The service owner (Hive account@cardboard) is excluded from receiving bonus SP :(
All rewards from this post will be accounted as Hive account@steem.dao investment. All profit generated thanks to those rewards will be send to Hive account@steem.dao :)
sends 30% of the vote selling profit as donation to