Hive and HBD is solid, it's still small but not as small. Hive has some of the most functional dapps and projects built on it. Splinterlands and Leofinance for example. So, it's definitely one of the most solid projects in the crypto space and investment wise too.

As for HBD, I think the APY will be reduce from time to time to maintain sustainability, I think 15 to 12% might be the next reduction.