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For HBD, or something else? I am getting twitchy.

I've got most of my stables in the 4BELT pool on Cub - 25% USDT and then the other big three, and some pooled with DEC too.

I've also got some USDC in a Polycat Vault on Polygon. And just some more USDC kicking around on a cold wallet.

If I didn't want to do BSC or polygon DEFI I'd stick SOME in HBD for sure.

This my emergency fund so it's important to have no gambles. My keys - my crypto. This is why I want to avoid any DEFI pools.

Ah Well I've got most of my funds in a cold wallet too!

Binance seems to have dropped HBD, I would need to use Bittrex.

Ah yes there is that as well - needing a route out!