RE: What is the appropriate APR for HBD savings according to you ?
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20% has demonstrated to be very safe in therms of Debt ratio, I wouldn't touch it for the moment, in particular now that the Bull market will also impact on HIVE
https://peakd.com/hive-167922/@toofasteddie/not-the-best-moment-to-lower-the-apr-of-the-hbd-in-savings
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We are still far from the dept ratio I agree. The problem I see whith the APR on HBD is that it is adding one more level of inflation to the Hive token and this might be the reason why hive price is not evolving the way we all wish.
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