HBD Interest Payouts for December 2021
I can't believe we are already in 2022. Time flies. 2021 has been great year for HBD. An old idea of a blockchain token pegged to USD and backed by the network itself, has received the much needed attention and revision. It started with an experiment and a proposal by Smooth to stabilize HBD with an @hbdstabilizer. That turned out to be a successful experiment. While it helped stabilizing HBD, it also earned significant profits for the Hive Decentralized Fund.
In March of 2021, witnesses decided to start paying interest on all HBD. Later this was changed to pay interest only for HBD in Savings.
Then Blocktrades team worked on a Hive to HBD conversion and implemented these new changes with a new hardfork.
The APR initially started out with paying only 3% interest. Then it changed to 7%, then to 10%, and finally in December it went up to 12%. This is super generous of the Hive blockchain and the witnesses. Can of the traditional banks compete with this? lol, probably not. This might even be the highest rates paid for any stable coins too.
The USD peg is also has been working much better than we ever saw in the past. Yes, HBD price is not always exactly at $1, but whenever it goes higher or below $1, like a magnet it is getting pulled back to its peg a lot faster than before.
There are also talks of various projects to use HBD APR in their future developments. LeoFinance was discussing an idea just recently to add HBD to their CubFinance defi platform, and let participants use HBD in defi and also receive interest payouts. This sounds very interesting.
New upcoming Ragnarok game has plans not only to use HBD for in-game purchases but also utilizing interest payouts for the game economy. Here is what they say how HBD will be used in the game.
After every battle, your Gods or Titans do not recover health, so if you enter a battle with low health characters from the previous battle, they will also have low health in the new battle. You will need to heal your gods & titans using potions/herbs, which cost HBD.
The game will have armor & a weapon system that adds passive stats & abilities to equip the NFT's. You can level up the weapon tree of your choice, each coming with different skills & abilities. All weapons will be mineable NFT's that come out in Ragnarok, but they will require repair kits that cost HBD.
There will be in-game food that is a must to have, or your gods start to lose health. Food is only consumed during battle & comes with stat boosts based on the food provided. Food cost HBD.
The game will have many HBD sinks. The HBD is sucked into a "blackhole" via the SIP v1, where it will be locked away to earn interest in perpetuity.
Just amazing. This and other projects will create more demand for HBD and come up with creative ways of utilize it. There are many more interesting to come, it seems.
Total HBD interest payouts in the previous months.
In March total interest payout was 10,429 HBD to 6415 accounts.
In April - 12,208 HBD paid to 7106 accounts.
In May - 16,574 HBD paid to 7250 accounts.
In June - 36,883 HBD paid to 7167 accounts.
In July - 1,696 HBD paid to 682 accounts.
In August - 5,646 HBD paid to 1062 accounts.
In September - 2,570 HBD paid to 1129 accounts.
In October - 4,914 HBD paid to 1239 accounts.
In November - 10,931 HBD was paid to 1482 accounts.
In December total interest payouts and accounts continued to increase.
Total of 19,004 HBD was paid to 1655 accounts in December. December ended up being the month with the highest interest payouts. Way to end the year. I am very optimistic about HBD and what it offers as a stable coin and an investment asset.
Top 150 HBD Interest Payouts For December 2021
| # | Name | Amount | Date |
|---|---|---|---|
| 1 | alpha | 8287.970 | 2021-12-31 00:10:09 |
| 2 | mika | 3422.126 | 2021-12-21 05:24:21 |
| 3 | muenchen | 616.455 | 2021-12-06 06:19:36 |
| 4 | shikoku | 435.581 | 2021-12-04 08:24:21 |
| 5 | parkman | 431.169 | 2021-12-07 21:10:33 |
| 6 | theycallmedan | 338.557 | 2021-12-23 22:43:24 |
| 7 | paleking | 307.106 | 2021-12-22 04:18:48 |
| 8 | vaultec | 230.052 | 2021-12-05 15:08:54 |
| 9 | smooth | 230.024 | 2021-12-13 00:27:09 |
| 10 | inertia | 217.222 | 2021-12-06 18:44:03 |
| 11 | seed-treasury | 192.220 | 2021-12-29 10:39:00 |
| 12 | piggybox-002 | 161.304 | 2021-12-07 22:32:03 |
| 13 | pharesim | 152.633 | 2021-12-27 19:53:00 |
| 14 | eonwarped | 152.043 | 2021-12-22 22:42:42 |
| 15 | johnhtims.life | 113.701 | 2021-12-28 20:18:27 |
| 16 | penguinpablo | 100.607 | 2021-12-03 14:21:54 |
| 17 | demotruk | 92.596 | 2021-12-19 21:51:51 |
| 18 | acidyo | 92.484 | 2021-12-30 01:45:48 |
| 19 | chewsk1 | 90.490 | 2021-12-18 17:41:18 |
| 20 | slobberchops | 89.039 | 2021-12-07 14:11:24 |
| 21 | piggybox-001 | 85.454 | 2021-12-04 15:14:21 |
| 22 | teammo | 69.845 | 2021-12-17 13:32:24 |
| 23 | yunnie | 69.791 | 2021-12-07 12:49:00 |
| 24 | strawhat | 66.119 | 2021-12-17 11:35:00 |
| 25 | hivefest | 59.522 | 2021-12-28 16:49:24 |
| 26 | hiveauth | 51.804 | 2021-12-07 22:23:30 |
| 27 | primersion | 51.694 | 2021-12-28 13:12:27 |
| 28 | achim03 | 49.383 | 2021-12-21 21:38:15 |
| 29 | piggybox-004 | 47.059 | 2021-12-20 08:06:51 |
| 30 | badtman | 43.915 | 2021-12-30 00:54:39 |
| 31 | engrave.cold | 40.646 | 2021-12-05 20:35:03 |
| 32 | aurealone | 36.467 | 2021-12-28 12:15:27 |
| 33 | piggybox-003 | 36.192 | 2021-12-28 18:42:51 |
| 34 | ace108 | 33.244 | 2021-12-19 02:54:36 |
| 35 | oflyhigh | 32.647 | 2021-12-11 07:49:42 |
| 36 | belemo | 30.677 | 2021-12-01 06:40:06 |
| 37 | steemvault | 28.927 | 2021-12-07 01:07:18 |
| 38 | livinguktaiwan | 27.931 | 2021-12-24 21:17:06 |
| 39 | magicmonk | 27.724 | 2021-12-06 09:31:27 |
| 40 | taskmaster4450le | 27.437 | 2021-12-20 00:38:06 |
| 41 | somethingfunny | 26.912 | 2021-12-20 05:05:51 |
| 42 | eliel | 26.280 | 2021-12-10 19:30:03 |
| 43 | nftmart.wallet | 26.039 | 2021-12-24 20:26:39 |
| 44 | hivevault | 25.713 | 2021-12-04 21:58:18 |
| 45 | hivestorage | 24.260 | 2021-12-27 14:39:27 |
| 46 | nostalgic1212 | 24.002 | 2021-12-20 01:30:48 |
| 47 | irenenavarroart | 23.621 | 2021-12-13 03:18:12 |
| 48 | taskmaster4450 | 23.614 | 2021-12-02 01:28:24 |
| 49 | deanliu | 22.788 | 2021-12-15 11:15:12 |
| 50 | viking-ventures | 21.639 | 2021-12-05 22:13:06 |
| 51 | sm-silva | 20.794 | 2021-12-13 15:29:18 |
| 52 | mrspointm | 19.952 | 2021-12-21 07:02:09 |
| 53 | bozz | 19.693 | 2021-12-22 14:15:42 |
| 54 | condeas | 19.599 | 2021-12-02 17:54:30 |
| 55 | bala41288 | 19.030 | 2021-12-15 17:22:00 |
| 56 | niallon11 | 18.901 | 2021-12-17 14:13:00 |
| 57 | travelfeed | 18.696 | 2021-12-24 05:26:42 |
| 58 | steemaction | 18.542 | 2021-12-09 19:19:15 |
| 59 | mrpointp | 18.404 | 2021-12-21 07:01:27 |
| 60 | kenny-crane | 17.903 | 2021-12-29 22:34:03 |
| 61 | mistakili | 17.848 | 2021-12-15 12:40:06 |
| 62 | keniel16 | 17.679 | 2021-12-19 19:06:30 |
| 63 | quochuy | 17.584 | 2021-12-16 04:30:03 |
| 64 | watchlist | 17.105 | 2021-12-20 16:30:39 |
| 65 | skenderbeu | 16.706 | 2021-12-25 13:51:09 |
| 66 | investingpennies | 16.630 | 2021-12-07 05:31:24 |
| 67 | muterra | 16.103 | 2021-12-24 16:28:21 |
| 68 | krishool | 15.820 | 2021-12-01 19:05:24 |
| 69 | null2 | 15.762 | 2021-12-13 04:19:51 |
| 70 | susanli3769 | 15.508 | 2021-12-26 13:50:21 |
| 71 | cryptog33k | 15.260 | 2021-12-17 04:28:57 |
| 72 | holoferncro | 14.788 | 2021-12-30 15:19:15 |
| 73 | jk6276 | 14.524 | 2021-12-29 00:44:36 |
| 74 | hermes.apocrypha | 14.512 | 2021-12-29 14:34:39 |
| 75 | ironshield | 14.160 | 2021-12-13 19:51:42 |
| 76 | sadheaven | 13.863 | 2021-12-21 22:51:57 |
| 77 | nonameslefttouse | 13.817 | 2021-12-11 17:47:18 |
| 78 | drew0 | 13.604 | 2021-12-28 12:48:33 |
| 79 | hivechain.app | 13.401 | 2021-12-16 17:17:39 |
| 80 | fulltimegeek | 13.185 | 2021-12-21 16:19:36 |
| 81 | artmom | 13.142 | 2021-12-24 03:14:12 |
| 82 | leaky20 | 13.137 | 2021-12-28 13:51:54 |
| 83 | neoxian | 13.072 | 2021-12-12 16:55:06 |
| 84 | discohedge | 13.031 | 2021-12-19 23:44:33 |
| 85 | dragonaladodera | 12.703 | 2021-12-03 20:25:48 |
| 86 | trumpman | 12.634 | 2021-12-09 21:25:30 |
| 87 | playfulfoodie | 12.564 | 2021-12-19 15:18:57 |
| 88 | zo3d | 12.101 | 2021-12-05 13:20:12 |
| 89 | pouchon | 11.972 | 2021-12-25 23:34:09 |
| 90 | vesytz | 11.513 | 2021-12-19 05:24:27 |
| 91 | hivesql | 11.373 | 2021-12-07 22:24:21 |
| 92 | ybanezkim26 | 11.360 | 2021-12-21 15:01:45 |
| 93 | detlev | 11.124 | 2021-12-31 09:40:06 |
| 94 | ecoinstant | 11.014 | 2021-12-22 19:48:57 |
| 95 | tipu | 10.785 | 2021-12-06 16:17:09 |
| 96 | thebeardflex | 10.669 | 2021-12-21 19:10:24 |
| 97 | podping | 10.645 | 2021-12-31 05:24:15 |
| 98 | adambarratt | 10.420 | 2021-12-13 10:35:42 |
| 99 | theb0red1 | 10.380 | 2021-12-05 08:59:00 |
| 100 | fedoraonmyhead | 10.318 | 2021-12-22 03:14:54 |
| 101 | thelittlebank | 10.274 | 2021-12-30 14:26:00 |
| 102 | rezoanulvibes | 10.180 | 2021-12-29 01:18:51 |
| 103 | jznsamuel | 10.167 | 2021-12-26 14:24:51 |
| 104 | votum | 10.110 | 2021-12-18 06:23:27 |
| 105 | empress-eremmy | 10.086 | 2021-12-10 19:18:06 |
| 106 | obsesija | 9.863 | 2021-12-28 15:43:45 |
| 107 | ragnarokdel | 9.855 | 2021-12-31 05:08:30 |
| 108 | hivebank9292 | 9.785 | 2021-12-22 12:22:57 |
| 109 | yole | 9.362 | 2021-12-31 19:19:03 |
| 110 | ipromote | 9.219 | 2021-12-20 03:00:54 |
| 111 | meesterboom | 9.170 | 2021-12-07 19:20:24 |
| 112 | steemflow | 9.023 | 2021-12-19 13:55:45 |
| 113 | fundacja | 8.922 | 2021-12-08 10:14:39 |
| 114 | jenina619 | 8.911 | 2021-12-20 11:57:03 |
| 115 | fishmaster | 8.685 | 2021-12-14 10:24:30 |
| 116 | martibis | 8.614 | 2021-12-25 20:50:21 |
| 117 | theguruasia | 8.549 | 2021-12-02 02:07:57 |
| 118 | jychbetter | 8.502 | 2021-12-04 17:51:36 |
| 119 | cryptobrewmaster | 8.487 | 2021-12-30 11:06:36 |
| 120 | adamada.stem | 8.317 | 2021-12-26 15:40:18 |
| 121 | sandymeyer | 7.994 | 2021-12-17 20:31:15 |
| 122 | pandasquad | 7.951 | 2021-12-29 20:53:06 |
| 123 | owdtwobad | 7.948 | 2021-12-21 04:32:39 |
| 124 | atnazo | 7.909 | 2021-12-26 22:29:09 |
| 125 | sanjeevm | 7.780 | 2021-12-27 06:48:18 |
| 126 | asgharali | 7.775 | 2021-12-27 08:55:09 |
| 127 | bit4bit | 7.770 | 2021-12-24 02:36:54 |
| 128 | apshamilton | 7.644 | 2021-12-28 13:43:09 |
| 129 | unorgmilitia | 7.628 | 2021-12-22 06:32:12 |
| 130 | fermentedphil | 7.614 | 2021-12-22 20:46:06 |
| 131 | kendewitt | 7.548 | 2021-12-26 03:46:21 |
| 132 | ragnarokdel | 7.538 | 2021-12-01 00:41:42 |
| 133 | lainiwakura | 7.504 | 2021-12-03 20:24:51 |
| 134 | gengua | 7.234 | 2021-12-23 10:55:06 |
| 135 | einfachnathi | 7.139 | 2021-12-22 19:20:03 |
| 136 | lemouth | 7.125 | 2021-12-30 21:53:09 |
| 137 | calimeatwagon | 7.112 | 2021-12-20 16:46:57 |
| 138 | cryptictruth | 7.074 | 2021-12-06 22:17:06 |
| 139 | genesishealthy | 6.872 | 2021-12-08 15:35:30 |
| 140 | bitcoinflood | 6.831 | 2021-12-20 01:51:27 |
| 141 | gaborockstar | 6.787 | 2021-12-20 11:51:36 |
| 142 | priyanarc | 6.613 | 2021-12-26 00:41:45 |
| 143 | enginewitty | 6.575 | 2021-12-27 17:42:36 |
| 144 | sports.guy55 | 6.553 | 2021-12-22 05:53:24 |
| 145 | hamsterpoweriii | 6.415 | 2021-12-08 20:41:00 |
| 146 | sketch.and.jam | 6.360 | 2021-12-12 19:06:39 |
| 147 | scottcbusiness | 6.290 | 2021-12-06 21:44:57 |
| 148 | kaerpediem | 6.288 | 2021-12-28 17:25:51 |
| 149 | nantzjbalayo | 6.253 | 2021-12-28 11:12:33 |
| 150 | juecoree | 6.119 | 2021-12-04 12:33:24 |
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It is cool to have ragnarok put HBD to use and also influence more holdings and savings. Should look up for the cub finance staking idea too, sounds cool.
I think the year ll be brighter already..
You can listen to the discussion about HBD in CubFinance here:
https://leofinance.io/@khaleelkazi/mznouwsx
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Thanks so much.
@geekgirl
Just curious to know...why the number of accounts are getting down every months ? Was they removed their savings or what ? Begin with 7000 + accounts and comes down to 100 + in December.
That was a typo mistake on my part. Thank you for catching it. I fixed it.
In December number of accounts was 1655.
The biggest drop happened in July 2021, when hardfork happened and the interest payouts changed from all HBD in liquid and savings to only HBD in savings. But since then account numbers kept increasing every month.
Great work @geekgirl this is awesome in the blockchain getting income from HBD while putting it on savings it's amazing.
happy new year
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Hbd rocks af, I can’t wait for the ragnarock game😀
I listened to you and did not sell HBD at the time the token fell. I think I did the right thing. I will continue to accumulate HBD in 2022!
lol, don't listen to me. My predictions are wrong most of the time.
The next coin to hold is HBD definitely next
That 12% looks great for a stable! I just started my piggy bank today !PIZZA
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This is pretty awesome. So let's say I put 1000 HBD into the savings for January and the interest rate is 12%. Does this mean I get 120 HBD paid out to me in February? Or am I missing something? Might sound like a dumb question but financial stuff confuses me sometimes lol.
No, 12% is annual, not monthly. So 1000 HBD would earn 10 HBD a month.
Right, makes sense. Thank you for the clarification :)
It is an APY.
You would get 12 HBD for the month of January. However, you start Fed with 1012 HBD meaning you earn 12% on that. That means your payout for Feb would be 10.12 HBD (not exactly since Feb only has 28 days).
Then you start market with 1024.12 HBD and get a payout of 12.28 in March.
As you can see, the amount paid keeps going up each month that you claim your HBD. This is the power of compounding.
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HBD is a nice way to earn a little passive income. For some on that list, not so little haha
With Ragnarok using HBD, we are adding more utility to HBD but we probably still need more utility and also more supply of HBD before it can really be a major stable coin. However the interest is good and it's hard to pass up but I am always conflicted about whether my HBD should go into the diesel pool or the savings.
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When I first joined, I didn't see why it had to be pegged to the dollar (I still don't), but it feels good knowing I can keep some funds on hive and not have to fear the value going down. Couple that with the 12% interest on savings.
Also I wanted to ask, the Ragnarok Airdrop is it going to be for only those holding hbd? Does it have to be in savings?
Ragnarok Airdrop will only be for Hive and HP. They will not airdrop for HBD holdings. Check their AMA post from today for more details.
Ok Thanks for clearing that up. Must have mixed it up with something else.
You mean all these people got this just for leaving their HBD in savings which has low risk and can be withdrawn anytime? Wow!! Hive is truly great.
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There is a 3 day withdraw period but yes, 12% interest for a rather liquid holding.
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😂 I knew about the 3 days withdraw period, was only acting like it’s my first time getting this information.
WOW I am in top 124 with only 1k HBD not bad.
Thanks for sharing ;)
@belemo, you are like the phoenix even though you were robbed and all your assets on metsmask were gone, in December you got a great reward for your perseverance and revived, well done man 👍💥
Wow! Saving in HBD appears to be far better than saving in the traditional banks. I am beginning to consider joining the bandwagon of HBD savers.
Meanwhile, is there any minimum amount accepted for saving??
.001 HBD is the minimum.
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You might not get interest on such a low amount, since it may round down. I'm not sure how that works.
I was curious as to how the interest payout schedule works? I noticed I did get 1 payout about 16 days ago. I used the ctrl f function and typed in "interest" to find the transaction in my wallet. So, are payouts once per month? I also saw a service somewhere that would transfer .001 HBD to savings daily which is also supposed to claim any interest owed which I guess would compound your interest quicker. In the meantime I just keep transferring my small HBD crumbs to savings and over time hope it grows to a nice stack w/ the 12% APR.
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The blockchain allows for claiming once a month. I do not know about the service. That could be something different where you pay for them to effectively "loan" you HBD but I have no idea.
That is why the APR is really an APY. You can claim monthly and increase your return as shown in the another comment I left.
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I found the article about the HBD auto claim after searching using the "Librarian" search app. https://peakd.com/hive-139531/@arcange/hiveautoclaim-update-hbdinterest
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Good to know someone is using the app. :)
I think it's a great way to find articles I've read that I want to refer back to. I have to admit this one took me a few queries. What really helped narrow it down was being able to search by the front end. I somehow remembered that it was an article on PEAKD so I put that in and also used the keywords HBD, Savings & Interest to search. Worked like a charm !
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There’s nothing more interesting right now than the 12% apr with HBD. Its definitely what banks can’t do not
probably.Btw, I’m wondering what happened here;
It did seem to change. We did have a hard fork, not sure if that had anything to do with it.
The coding might have reset everything, I am not sure.
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Pretty sure that's when the change occurred to only pay interest to HBD in savings and not to liquid HBD holdings.
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There was a hardfork at the end of June that changed interest payouts to only HBD in savings. That's why there was a big drop in July. But since then numbers kept going up every month.
A terrific report and great to see so many people putting renewed interest (no pun intended) into HBD. It is a terrific project and one that has a great deal of potential. We simply need to keep producing more HBD, get a fair portion locked up, and then find use cases with it.
You are right, for a relatively stable token (stablish), it does provide a fantastic return.
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Wait till Wall Street finds out. 12% guaranteed returns would be huge for some of them there. :)
Interesting that the interest payments lowers. We had an increase to 12%. Does the market expect it becomes unstable?
Because otherwise up only on a 12% stablecoin right?
lol, I don't understand your question. :)
everything fine, i misread some numbers :) Wallets and HBD payments.
happy new year to everyone :)
happy new year to everyone :)
Planning to be on this list this month for sure :-)
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Lol, I am @hive-data. Hiro is the one typing 😂
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HBD is much more exciting than a bank. !BBH
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. Keep up the fantastic work
Thanks for compiling this @geekgirl, very interesting to see the progression!
I'm enthusiastic about the potential of HBD from a commerce perspective... if we have something that resembles a stablecoin, it opens up the possibility of people actually being able to sell "hard goods" through some part of the Hive ecoystem, using only HBD and no fiat!
=^..^=