One of the great benefits of our Hive community is having our own stablecoin, Hive Backed Dollar or HBD. We have seen over the last few months more attention to our stablecoin as an HDB stabilizer so that the $ 1 peg is much more stable than in the past and this tool has definitely improved the situation.
Furthermore, the 12% interest on HDB blocked in the Savings Wallet was introduced but this perhaps did not generate that attention from the community and the crypto world that was waiting for us a while. The biggest problem is the very low liquidity of HBD compared to stablecoins such as USDC, USDT and UST (beware of the latter because it is growing at a very fast pace).
Much of Terra's success, especially before the launch of NFTs which is now definitely dominating, is due to the Anchor protocol which offers really interesting benefits. As for Hive, the protocol offers the possibility of blocking capital in UST and obtaining annual interest very close to 20%. Additionally Anchor Protocol allows users to lock LUNAs and take out a UST loan, usually around 50% of the locked asset's value. It is also possible to ask for a higher percentage but if the price of LUNA drops by about 50%, then you risk being liquidated and losing the blocked LUNAs, obviously you will still have the USTs received.
Imagine transferring the borrow to HIVE and being able to take out a loan by blocking Hive Power. For example, I will be able to block 10k HP and ask for about 5k HBD and use it to block it on Hive Wallet and receive 12% annual interest for example and accumulate interest until I repay my debt and get my HP back, which in the meantime may have appreciated again. more, in addition to having accumulated interest in HBD. Or the HBDs could be used to participate in IDOs or new launches, collect profits, and pay off the debt after a few days.
For competition that is on a par with Earth, we should increase interest to at least 20% and potentially increase it up to 25% to be more competitive. The 
