HBD Interest Payments For January 2025 | $100k+

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Welcome February! It is the shortest month of the year, but it is set up to be the most interesting one for crypto. We have completed the first month of the year already. Time is flying. January was anything but uneventful. It is unbelievable how bitcoin at or around $100 is a norm now. We all knew we would get here, the question always was what is beyond. Now we are dreaming of $1 million price point for bitcoin, and it doesn't seem unachievable either. I thing the overall belief that bitcoin will reach $1 million per coin is stronger than what people thought regarding bitcoin reaching $100k a few years ago. Regardless when we reach this target, things will keep moving forward in the bitcoin network, crypto world and decentralization efforts.

Things look much more optimistic for bitcoin and crypto these days. MicroStrategy continues to buy more and more bitcoin, and it doesn't look like they will stop anytime soon. ETFs continue attract more capital and continue accumulating bitcoins as well. The U.S. government, its branches and agencies are much more crypto friendly than we ever saw before. Bitcoin and crypto's recognition around the world continues to grow. Building are building, developing developing, traders are trading, hodlers are hodling, and now all these processes switching gears and preparing to accelerate to new highs. Great is great optimism in the markets regarding crypto, however not so much about economies. There are still some uncertainties, but in general I think we are heading to prosperity.

Hive has done well in January. Kinda impressive after extended stagnation for the most part of the previous year. Although we have seen price drops today for Hive coins, this has been the case for many other coins too. I don't know what has caused the sudden drops in prices today, maybe it is just time to cool down a little bit before restarting the journey back to the moon. I wouldn't mind to see even higher price drops in coming weeks. Some of us may still need better entries to cryptos we prefer. That said I hope 2025 will be a great year for crypto and will not turn out be a disappointment.

I am invested back in HBD again. At the end of December I decided to start buying HBD. It may have started as a simple idea of increasing my HP when Hive prices went up, then it turned into a routine of buying more and more HBD. I ended selling 50k Hive and turned them all back into HBD. Initially, I wasn't planning to keep HBD for extended period of time. However, Hive's price kept going up and better option at that point was to use HBD Savings again. It may have been a wrong decision at the time. But no regrets.

Last year, around the same time or maybe in spring I bought Hive with all HBD I had at that time. Now I am almost at the same levels again with slightly more HP and slightly more HBD. I am glad we have these two options. It turns out internal market is not as liquid as I expected. While trading Hive/HBD is still doable in thousands, but it may take a little longer to buy one or the other coin at similar prices. There were also times that price discrepancies between internal and external markets were higher than desired.

I like having both Hive and HBD. This creates more opportunities regardless what happens in the markets. If Hive's price drops significantly, there is an opportunity to increase HP. If Hive's price moves up significantly, there are opportunities to increase HBD holdings. While the success of both is interconnected, Hive's success is what matters the most. More Hive appreciates in value, more HBD it can afford to print and continue paying interest on HBD in savings.

Let's take a look at the numbers.

Total HBD Interest Payments & Accounts By Month

MonthYearTotal AmountTotal Accounts
March202110,429 HBD6,415
April202112,208 HBD7,106
May202116,574 HBD7,250
June202138,883 HBD7,167
July20211,696 HBD682
August20215,646 HBD1,062
September20212,570 HBD1,129
October20214,914 HBD1,239
November202110,931 HBD1,482
December202119,004 HBD1,655
January202219,740 HBD1,843
February202214,775 HBD1,654
March202226,506 HBD1,827
April202235,223 HBD2,357
May202266,025 HBD2,471
June202255,929 HBD2,253
July202262,053 HBD2,440
August202245,416 HBD2,573
September202260,083 HBD2,582
October202257,388 HBD2,712
November202269,228 HBD2,645
December202271,830 HBD2,684
January202386,019 HBD2,800
February202372,016 HBD2,659
March2023102,702 HBD2,968
April2023102,158 HBD2,875
May2023115,907 HBD3,046
June2023113,685 HBD2,796
July2023114,838 HBD3,018
August2023125,346 HBD3,049
September2023116,628 HBD2,853
October2023127,548 HBD3,107
November2023127,402 HBD3,136
December2023128,052 HBD3,234
January2024115,789 HBD3,321
February2024127,555 HBD3,110
March2024136,055 HBD3,285
April2024138,044 HBD3,111
May2024130,686 HBD3,125
June2024133,454 HBD2,900
July2024126,956 HBD2,838
August2024103,070 HBD2,898
September202484,963 HBD2,624
October202488,976 HBD2,720
November202496,817 HBD2,754
December202491,000 HBD2,754
January2025103,860 HBD3,022

We are back above $100k in monthly interest payments. I didn't think we would see these numbers anytime soon after APR was dropped to 15%. This shows that there is still strong interest for holding HBD as an investment in Savings. Not only the total paid amount has increased, but the number of recipients have gone up as well. Last time we had this number above 3k was eight months ago. Hopefully we will these numbers continue to grow, and we will see more HBD adoption. It is the best algorithmic stable coin.

Top 650 HBD Interest Payments For January 2025

#NameAmountDate
1lazy-panda36498.3002025-01-29 00:20:51
2sps.dao3261.5282025-01-13 14:30:15
3yunnie1944.3802025-01-23 02:36:57
4investegg1912.4222025-01-16 19:09:18
5roundbeargames1843.6312025-01-20 05:43:06
6parkman1774.3672025-01-21 04:31:54
7lucius.banda1634.6552025-01-13 09:01:54
8newsflash1560.0452025-01-05 06:49:21
9zhipi1134.4802025-01-15 06:06:54
10luolu1064.2232025-01-20 06:51:54
11x301064.1122025-01-23 11:14:42
12vaultec1048.9062025-01-25 20:51:51
13nuttin895.5482025-01-09 19:22:00
14apshamilton886.4202025-01-07 13:08:33
15hbd-promo871.8732025-01-29 16:20:36
16ncwarp844.8862025-01-22 15:06:57
17peakd843.9092025-01-30 16:47:24
18stoodkev808.9712025-01-05 00:09:18
19amomslife754.7612025-01-27 07:02:42
20piggybox-001716.6082025-01-18 10:21:54
21etherdex712.1232025-01-04 12:47:39
22wohngluck702.5002025-01-03 03:11:54
23engrave.cold698.2842025-01-09 13:08:36
24ocl-trez635.5222025-01-27 21:06:30
25scamforest627.8552025-01-07 03:08:30
26cranium596.7732025-01-05 09:44:36
27planetoceana589.9922025-01-28 13:12:42
28dfund571.6332025-01-01 09:01:24
29cryptosharon559.8462025-01-03 23:01:39
30cashbuyer556.3032025-01-23 14:29:12
31cloudblade545.9492025-01-26 10:01:45
32scaredycatguide544.7242025-01-09 23:38:27
33davidchaussure544.6432025-01-12 01:55:27
34edex536.4362025-01-15 05:49:54
35toofasteddie498.3462025-01-26 15:34:00
36bulldog1205495.5282025-01-22 04:48:54
37staurakios483.0882025-01-21 22:46:54
38yann0975467.0072025-01-10 11:09:57
39loanshark443.8662025-01-01 10:16:48
40sucrelibre436.5602025-01-03 16:10:51
41timesheets431.5292025-01-03 05:21:48
42alives386.8542025-01-29 05:18:33
43v4vapp.dhf386.2392025-01-20 20:09:54
44princekham375.2402025-01-16 14:53:36
45sbachra368.6482025-01-24 20:47:48
46risingstarhub367.3282025-01-25 18:47:06
47lazy-ninja355.9982025-01-05 18:48:33
48namelessnameless348.6592025-01-05 15:59:21
49ars09331.0992025-01-23 20:29:51
50dmovie321.5512025-01-01 11:36:12
51paleking318.9732025-01-17 15:53:00
52niokululu291.9422025-01-06 21:16:48
53dagamers7288.4242025-01-19 09:53:15
54marthaehinome253.2822025-01-01 23:41:00
55pdq250.3922025-01-16 17:02:51
56florian-glechner248.9302025-01-17 06:37:48
57mup248.9012025-01-31 06:16:36
58gaottantacinque246.6682025-01-13 19:41:18
59taskmaster4450le245.8682025-01-03 16:10:27
60deanliu243.8302025-01-26 04:14:03
61blackheart1229.9432025-01-25 05:37:39
62notak221.7872025-01-06 01:27:30
63fundacja213.4922025-01-31 00:40:15
64dhub207.1972025-01-04 12:33:45
65modeprator205.7662025-01-05 19:32:24
66arcange192.5192025-01-06 20:16:54
67lemouth191.8932025-01-12 12:58:36
68carrinm191.8022025-01-01 13:07:39
69worldfinances191.1522025-01-28 09:21:00
70achim03188.8582025-01-30 10:50:57
71maxsieg181.3732025-01-15 16:17:03
72offgridlife173.2512025-01-29 21:27:27
73raythulhu171.5202025-01-08 23:52:21
74gandalf169.1642025-01-14 20:31:03
75pi-store168.0922025-01-30 06:08:39
76detlev164.7572025-01-07 21:41:15
77pixels.vault164.3552025-01-24 09:06:51
78axrho164.2112025-01-28 17:04:54
79niftyparkreserve160.6242025-01-15 15:01:12
80jedigeiss157.9062025-01-25 10:30:00
81piggybox-003155.4482025-01-18 10:21:54
82gooddream154.3732025-01-03 16:52:09
83seraphim502150.5122025-01-14 01:06:00
84magicmonk148.1322025-01-25 19:11:27
85reazuliqbal142.3712025-01-28 14:31:03
86keychain141.7242025-01-10 04:23:48
87nrzero138.8242025-01-13 14:22:42
88eliel136.9192025-01-10 17:35:09
89naloman135.1862025-01-09 08:30:30
90aafeng132.9762025-01-24 21:31:39
91dutchchemist130.3222025-01-02 18:01:54
92hiroshige128.0032025-01-27 14:53:24
93dsavings127.3132025-01-16 13:11:39
94fabio126.5702025-01-09 10:19:12
95nytehawker126.1592025-01-06 19:30:51
96sorin.cristescu125.6192025-01-30 18:43:57
97holoferncro125.2112025-01-28 10:11:33
98yurtsrus124.1282025-01-01 17:33:36
99komachida124.1052025-01-25 11:08:09
100bezkresu121.6622025-01-25 03:40:15
101ironshield120.2282025-01-12 16:52:00
102pechichemena115.6142025-01-17 14:41:27
103francescomai115.5032025-01-07 21:33:57
104beltrandentalslp115.1742025-01-06 21:34:36
105johnboywalton114.9972025-01-10 16:12:42
106eturnerx-honey114.5922025-01-28 16:45:06
107inertia113.1522025-01-02 17:27:39
108mammasitta108.7142025-01-07 09:18:15
109bozz106.2172025-01-12 21:25:45
110demotruk104.0272025-01-04 11:23:36
111penta555103.0142025-01-04 10:37:51
112rarej102.8282025-01-14 16:38:12
113alejandromata102.2572025-01-21 23:10:57
114germansailor99.8972025-01-10 14:15:18
115bo02298.9212025-01-09 14:32:15
116lk66695.6232025-01-08 05:02:12
117venadita92.3502025-01-12 14:26:51
118ura-soul90.7552025-01-31 06:10:12
119kbv.animalwelf90.4142025-01-30 03:27:24
120sonnyonoo87.5322025-01-30 20:51:15
121rival87.4122025-01-05 10:29:54
122kpcapital87.2432025-01-15 22:59:48
123elizallins86.1062025-01-12 23:55:51
124shimozurdo85.4652025-01-28 15:56:57
125r-hive84.1732025-01-04 13:26:15
126grindle83.1352025-01-12 10:43:30
127winelay83.0162025-01-01 08:44:09
128wwwiebe82.4402025-01-01 14:50:21
129zuerich81.7982025-01-05 17:18:30
130sports.guy5580.3702025-01-27 01:04:18
131revisesociology79.2832025-01-11 19:15:27
132crimsonclad79.1762025-01-29 15:57:54
133tamiil78.8242025-01-24 17:18:15
134cbjinvest76.4932025-01-12 00:12:36
135stafhalr75.5852025-01-28 10:36:09
136krios00375.3462025-01-23 22:19:18
137eyesiswatchin75.0602025-01-05 20:57:24
138monkmasters74.3642025-01-23 14:20:15
139tiffin73.6292025-01-04 19:52:57
140andruto73.2552025-01-01 19:11:27
141moldovan.ionut71.6692025-01-11 15:13:30
142immanuel9470.8412025-01-07 17:30:33
143alferkgb70.5182025-01-30 19:03:18
144trifenix70.3162025-01-18 17:55:18
145bdmillergallery69.5432025-01-04 21:48:36
146investment-spezl68.2502025-01-05 09:21:30
147onkeltom67.7732025-01-28 23:18:24
148lovejill67.4842025-01-28 22:29:30
149ericvancewalton67.4742025-01-15 16:47:54
150hendersonp66.5012025-01-12 19:18:27
151stehaller66.2332025-01-31 15:14:00
152theb0red166.1542025-01-05 11:00:42
153johnhtims.life65.6212025-01-02 02:34:18
154crazy-andy65.4222025-01-05 06:12:33
155hirohurl65.3922025-01-27 10:25:57
156megapiupiu64.9912025-01-22 15:06:57
157shitposter64.7002025-01-18 05:35:54
158livinguktaiwan64.6082025-01-05 19:30:39
159whoisjohn64.3802025-01-23 03:05:21
160lackofcolor64.0252025-01-15 16:14:15
161xcoonxhd63.8022025-01-05 09:21:00
162hbd-temp63.6712025-01-23 13:58:54
163uwelang62.4122025-01-21 14:45:48
164enjar62.1432025-01-04 16:56:30
165behiver61.8142025-01-19 01:21:45
166thisnewgirl60.8142025-01-12 13:39:18
167steemflow60.7972025-01-30 02:09:15
168deepresearch60.1982025-01-23 10:21:18
169j8506359.6232025-01-01 22:46:42
170aiparker58.8492025-01-03 14:28:00
171marcusantoniu2658.7782025-01-22 04:34:36
172jack.russelle58.2112025-01-22 02:52:00
173eds-d57.7912025-01-05 12:06:12
174hiramdo57.4652025-01-09 07:14:36
175crypt057.2212025-01-25 01:15:18
176theghost198057.2182025-01-14 12:02:57
177holistic-mystic57.0822025-01-05 18:53:39
178captaincryptic56.6732025-01-02 19:06:15
179eolianpariah256.5332025-01-13 05:32:42
180melcaya56.1392025-01-05 20:58:27
181sepone56.0712025-01-19 21:21:57
182sjarvie555.8072025-01-26 13:17:27
183taiwotsele55.0732025-01-22 15:41:06
184bambukah54.8742025-01-12 23:56:42
185pr4ec14rv554.8412025-01-11 22:49:27
186mrchef11154.8182025-01-31 17:12:12
187slobberchops54.7672025-01-25 15:15:09
188nuthman54.7582025-01-22 16:36:42
189yozen53.6872025-01-11 14:07:36
190bigkrik5453.5492025-01-27 08:51:45
191gwajnberg53.3122025-01-02 21:07:03
192cradle2game52.8912025-01-11 03:22:42
193ricardopercusion52.4162025-01-20 13:51:42
194shaunmza51.7662025-01-01 21:51:18
195krishool51.5452025-01-18 18:38:39
196sngomnwmdk51.5392025-01-07 21:22:24
197onealfa51.3932025-01-12 20:27:36
198arrr51.3262025-01-02 13:06:21
199afii9051.3062025-01-02 19:45:36
200tipu.reserve51.1582025-01-06 23:09:03
201ophibious51.1542025-01-05 09:20:36
202sevatar50.9482025-01-17 07:00:51
203talesfrmthecrypt50.9102025-01-22 18:30:54
204zokka8250.0532025-01-23 09:13:42
205sketch.and.jam49.5542025-01-31 02:49:18
206papilloncharity49.5262025-01-21 08:25:06
207flemingfarm49.4142025-01-01 07:17:09
208kryptik49.2672025-01-30 20:46:24
209shawnamawna48.8992025-01-16 13:40:00
210darth-azrael48.7562025-01-21 16:52:18
211susanli376948.6002025-01-19 20:09:33
212silviared94548.3032025-01-13 14:50:09
213niclotte47.9232025-01-14 10:26:54
214leiaviathan47.3592025-01-03 05:22:18
215biaojie47.1822025-01-11 12:03:15
216cryptojiang47.0752025-01-09 20:40:03
217eddwood45.9032025-01-15 11:39:54
218xara45.7952025-01-02 08:54:36
219kiel9145.4202025-01-19 19:43:00
220nostalgic121245.2502025-01-11 03:02:54
221yumyumseth44.7162025-01-14 14:15:30
222lolztoken44.2072025-01-14 03:26:21
223vcclothing43.9062025-01-28 22:30:48
224irenenavarroart43.8252025-01-14 03:02:42
225calimeatwagon43.5182025-01-09 08:34:30
226kaylinart43.3682025-01-15 09:12:03
227anna-newkey42.7822025-01-29 22:06:18
228tokenizedsociety42.6872025-01-16 13:10:48
229bojan-bee42.4952025-01-25 04:42:36
230empis42.2672025-01-12 00:08:57
231ookamisuuhaisha42.0802025-01-06 09:44:24
232nick.name41.9352025-01-31 08:06:45
233chaingmai.hhh41.4342025-01-03 16:53:51
234unorgmilitia41.4182025-01-16 01:49:24
235filotasriza341.3472025-01-26 20:45:45
236seckorama41.2532025-01-12 11:48:42
237privex41.1632025-01-14 12:29:45
238intinte-vault40.1002025-01-06 12:32:33
239kesityu.fashion39.5332025-01-17 09:41:48
240sunsethunter39.1902025-01-25 20:29:12
241primersion39.0072025-01-29 08:03:33
242generikat38.9932025-01-02 18:56:36
243tannix38.6052025-01-01 02:26:42
244actifit-peter38.4962025-01-15 22:25:42
245djbpw38.4542025-01-26 03:15:00
246santigs37.6452025-01-21 08:36:15
247winniex37.5542025-01-19 11:52:36
248jfang00337.3102025-01-16 05:52:42
249d-company37.0532025-01-18 23:50:18
250savingz36.9742025-01-09 07:47:18
251asia-pl36.9212025-01-23 22:17:06
252hivechain.app36.5942025-01-31 11:31:51
253myronsmashers36.0402025-01-13 00:15:27
254molometer35.0872025-01-04 14:51:51
255kripam34.0642025-01-24 06:51:39
256orionvk33.9332025-01-15 17:37:00
257x9ed1732b.stake33.7502025-01-29 22:03:42
258splatts33.7502025-01-19 04:10:15
259nunshaken33.6922025-01-08 14:05:06
260khan.dayyanz33.6372025-01-05 13:29:33
261fwor33.6172025-01-10 00:12:06
262revise.leo33.5632025-01-03 19:23:21
263web-gnar33.3262025-01-15 16:30:27
264jt1582233.2132025-01-17 01:57:48
265nutfund33.1092025-01-28 17:56:18
266itskareninamoi32.7502025-01-15 04:10:45
267krasnec32.2202025-01-04 17:54:09
268epic-fail31.8732025-01-05 22:27:18
269obsesija31.8532025-01-10 10:49:18
270stayoutorz-fin31.1632025-01-17 10:12:33
271garlet30.8072025-01-24 13:57:24
272rynow30.5422025-01-09 11:06:09
273kryptodenno30.5342025-01-12 09:43:30
274obvious30.4962025-01-07 16:13:48
275brianoflondon30.3142025-01-24 21:01:39
276for91days30.1702025-01-21 16:16:42
277alonicus30.1002025-01-29 10:02:36
278awesomegames00730.0042025-01-08 15:55:33
279techcoderx29.8892025-01-03 09:03:21
280akumagai29.4842025-01-07 16:14:57
281mproxima29.4642025-01-06 11:55:00
282patsitivity29.4512025-01-13 05:26:18
283dandays28.8732025-01-26 21:36:12
284actifit.funds28.6592025-01-05 18:26:57
285silversaver88828.4382025-01-08 22:42:15
286hotspotitaly28.0742025-01-23 09:11:39
287ammonite27.7822025-01-12 01:08:36
288shanibeer27.5092025-01-31 01:19:57
289kaeserotor27.5012025-01-26 16:52:27
290strenue27.3432025-01-03 21:12:54
291edian27.2502025-01-25 04:42:36
292mango-juice27.0152025-01-13 13:53:18
293waryszak26.9382025-01-03 10:43:39
294sunsea26.5742025-01-26 16:51:33
295valdiva26.3662025-01-21 02:04:00
296azazqwe26.3422025-01-13 05:22:39
297barnabo7326.2812025-01-15 12:14:18
298eil730426.1812025-01-03 12:02:45
299rabihfarhat26.0242025-01-23 14:57:06
300agreste.funds25.6282025-01-20 18:21:48
301msdeestrees25.5782025-01-01 07:43:24
302ryivhnn25.5732025-01-01 03:29:24
303jimmy.adames25.4612025-01-15 17:03:09
304tokutaro2225.4082025-01-09 20:54:39
305lbi-token25.3822025-01-23 20:16:18
306hiveabbyftp25.3632025-01-08 14:33:39
307melvin725.1882025-01-02 22:17:09
308netherhawk25.1252025-01-25 19:32:30
309gabe.radke25.0542025-01-03 16:52:24
310aussieninja24.9342025-01-07 02:47:24
311jza24.8612025-01-17 17:27:18
312mathowl24.8272025-01-03 11:07:06
313ruth-girl24.8082025-01-24 17:51:18
314corvidae24.7972025-01-12 23:01:36
315hdev.fund24.7712025-01-05 18:26:09
316jocieprosza.leo24.3312025-01-02 06:32:06
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550klub-wloczykijow10.1852025-01-19 13:30:12
551happycrazycon10.1642025-01-31 09:33:36
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560jesuslnrs9.5662025-01-31 04:05:18
561foreveraverage9.5542025-01-18 10:02:54
562upsetfix9.4312025-01-05 13:07:42
563bombaycrypto9.4132025-01-06 23:51:42
564imfarhad9.3922025-01-21 08:01:51
565tebesc9.3352025-01-06 17:29:36
566patschwork9.2612025-01-03 15:23:45
567pandachef9.2502025-01-03 05:13:30
568victorbz9.1602025-01-03 23:14:45
569bankchange9.0952025-01-09 04:44:12
570eidolon9.0832025-01-10 08:35:39
571photonium9.0672025-01-09 09:08:03
572hivesql9.0462025-01-23 19:11:57
573miguelstar9.0332025-01-06 22:55:45
574pit3r8.9652025-01-05 11:24:36
575littlebee48.9522025-01-25 09:38:45
576friendlymoose8.9412025-01-04 20:34:57
577achara12028.9242025-01-05 10:21:15
578jin-out8.9062025-01-07 17:02:54
579richgaynor8.8712025-01-07 09:17:54
580lovver8.8222025-01-01 19:13:03
581carn8.6822025-01-06 17:10:15
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585heyantomei8.6012025-01-19 11:23:57
586stonesiege8.5442025-01-26 02:18:51
587lunaticanto8.5152025-01-18 16:37:42
588marcocasario8.4852025-01-18 08:24:30
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598holgerfinn8.1592025-01-06 19:15:06
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617loulou19877.7722025-01-16 05:56:45
618povaarts7.7652025-01-05 02:23:48
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620luca17777.7342025-01-19 18:01:42
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645ftouch7.2602025-01-03 00:09:12
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647surrealworld7.1392025-01-16 11:25:21
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650mita37.0822025-01-05 23:02:24
hbd hive interest apr money proofofbrain
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Big achievement, I have my own experience. I am trading on Binance. Cryptocurrency is all the rage these days and those who are investing in it and learning cryptocurrency through trading or on any platform are making their future bright.

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Hey, @geekgirl. How to be included in your list? :)

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The list includes top 650 recipients of the hbd interest payments. I can’t post all recipients because of the post size limit.

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I like hbd as it pays good interest. I have hive that i power up to get resource credit !

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120 in interest is really great. !BBH !WINE

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I like to have both hbd and hive too, hbd is a nice to have, 15% interest is good... I think hive dropped as everyone was selling after the pump

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Great list. How much hbd would I need to get on it? I have around 600 now, still not there :(

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It's great to see all the people add to that HBD in savings. I am glad that I have moved up to be in the top 250. It's slowly moving up over time.

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Thanks for the data. Some people find the 15% interest rate too high, but I think it's ideal. The HBD market value is already low. What would happen if it increased by a few million HBD annually?

It also indirectly prevents the hive price from falling.

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lazy-panda Once again, great. Very informative post.

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I'm back in the charts again with 576. Next month it will be even more since I've converted quite some Hive to HBD.

Thanks for this list!

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Getting on this list will be a great one and I can’t wait for that
It will surely happen someday

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I finally made it back onto the list. Now the climb

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Coming it at number 210, woo-hoo! :)

I don't power down or take HBD out of savings, but as long as my HBD savings is less than half my total account value, I'll convert any liquid hive to HBD and put in savings. Otherwise, I'll do the opposite and trade any liquid hbd for hive and power up.

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I must really commend you for your effort and consistency more grace

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