Personally, I would keep it at this "promotional" rate to attempt to attract new users in. As far as I know, we are nowhere near a dangerous level yet. It would be best to keep it artificially high to take advantage of the rising crypto market.
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I think the APR would be definitely more sustainable in a growing crypto market. If prices continue to fall, it's another story :-)
The "promotional" rate fails attracting new users. And even if it succeeded, people who just buy some HBD and stake it in Savings would hardly become users, they would just take profit once in a while.
I wrote down reasons for lowering the APR; and the post has an interesting discussion with 100+ comments. I don't want to brag, but I believe it is worth reading (and so is the discussion, obviously), as the interest rate should be one of the keen topics for the Hiveans ;)
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