I thought you replied to the other comment so that's why mine seems off. In regards to the APR all you need to do is go over to @arcange's profile and pull up the latest financial stats report, you'll see a major upwards trend in HBD savings since the change. It's got 2 years of stability due to the stabilizer bots so people trust that the price will stay pegged. The history of this peg is now sufficient for confidence in investment (no one invests on speculation alone unless they're an idiot, everyone invests where some predictability in results is possible even without advanced modeling).