As it stand right now, after a few months of 10% APR for HBD in savings there is around 1.5M HBD parked there. At yearly level this is a yield (additional inflation) of 150k HBD and monthly around 12.5k HBD.
These are peanuts numbers. Almost non existing. HBD has its issues, especially with the low liquidity and not enough listings, but the option to give out yield for an almost stablecoin, is probably the number one use case.
As things stand I think bumping up HBD interest to 20% is a no brainer.
I would even go further and make it 30% for the next one year, like a promo period.... :)
Most of the top stablecoins on the defi apps have somewhere between 15% to 20% APR, for billions locked in liquidity.
We can argue is it a short term or long term thinking, but most likely it will push the amount of HBD in savings to 30M plus HBD unlike the 1.5M now. HBD in circulation is around 25M now. More usage, more liquidity, more adoption etc ...
The Hive community can provide 30M liquidity in stablecoin for sure.
The HBD interest is a parameter set by the witnesses and they can change if the majority agree without a hardfork. So witnesses ... it's your turn :)