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The way to increase money that gives users the most peace of mind is through a bank account with good interest. Assuming the currency is strong (dollar, euro, pound sterling, etc.) and the interest beats inflation, the latter being increasingly difficult. This is not only the way that offers the most peace of mind, but also the most popular. Why? This is due to many factors: - It's the easiest way to calculate how much you'll have at the end of the year. There's no risk of $100 turning into $50 due to a market downturn. - You can access the money in your bank account whenever you want; you don't need to place a sell order and wait for it to execute, nor calculate and deduct the taxes on that sale. This is extremely important for those who practically live paycheck to paycheck. - It was the first way for most people to secure and protect value, and therefore the one they understand the most and trust the most. Unfortunately, fewer and fewer banks offer accounts with interest rates higher than the inflation rate. Those who do so impose conditions and/or additional services that limit or cancel the benefits of guaranteed interest. Ultimately, the true intentions of these institutions are not to help people, but to make a profit thanks to them (or despite them). There are alternatives that perhaps offer us the same level of security against volatility, but which are not a completely liquid asset like US Treasury bonds. ## Crypto Alternative to Bank Accounts I firmly believe that Satoshi never imagined the impact that the creation of Bitcoin would have on people who are unbanked or who live in countries under international sanctions and without access to traditional financial markets. Today, cryptocurrencies offer a fairly broad alternative for anyone who wants to create and store value without relying on third parties. However, volatility is a major handicap for those who need to secure their funds in the short term. In this sense, stablecoins have created a suitable alternative, but they do not protect against inflation, as almost none offer staking dividends. Although, there are alternatives. ### Centralized Options or KYC If you're willing to undergo KYC verification, you have a few alternatives to earn dividends from your stablecoins. For example, almost all centralized exchanges (CEXs) offer options to give you dividends in exchange for staking or vaulting your stablecoins, with returns ranging from 2 to 4.5%. In this regard, the two best-known are Coinbase and Binance. ### DEFI Protocols There are protocols and platforms such as Aave, Spark/MakerDAO, Ondo Finance, Mountain Protocol, etc. that will pay you dividends between 2 and 5% on your deposited stablecoins. They generally have long timeframes for withdrawing the base deposited in the contract, as they use them to lend money to other users through protocols and smart contracts. Here, **it's important to always keep in mind that you're interacting with official platforms and to double-check the smart contracts you're signing. There may be malicious individuals or groups who clone interfaces to obtain funds from those who are not careful.** ## HBD y SURGE: the best options out there

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[Hive Backed Dollar](https://hive.io/hbd) (HBD or HUSD) is the HIVE blockchain's stablecoin. It's algorithmic, so 1 HBD can always be exchanged on-chain for the equivalent of $1 in HIVE. It also has multiple safeguards to prevent a death spiral like LUNA and UST. It's completely decentralized, so no one can freeze your funds, and it's been running smoothly for over six years. HBD can be staked to earn dividends, and you can unfreeze those funds in just three days. The APR it currently pays is 15%, but this can be lowered or raised by witnesses who sign blocks on the HIVE blockchain. Even if the APR were lowered to a range between 5% and 6%, the yield would exceed the general dollar inflation rate. _{More about HBD [here](https://hive.ausbit.dev-hbd)} **You can deposit other crypto at [QVAPAY](https://qvapay.com/register/yecier18) or tribaldex.com and extract HBD.** **You can create a HIVE account through [INLEO](https://inleo.io/signup?referral=yecier). Remember to copy and save your 24 words.** ** SURGE is a product of [LeoStrategy](https://inleo.io/profile/leostrategy/blog) that mantain a $1 dollar floor price via liquidation preference. A perpetual preferred offering that carries a 15% state yield that is pay out weekly in HBD; this yield can be higher if you buy now that the initial sale (around 0.8 USD per token) is not over. Also SURGE holders had a guaranteed convertion of 1 SURGE = 0.02 [LSTR](https://inleo.io/@leostrategy/introducing-leostrategy-lstr-a-hivebased-vehicle-to-buy-leo-jmg). In other words, SURGE is protected to the downside with a $1 floor price and has a theoretically unlimited upside due the permanent appreciation of LSTR. All this while you receive a weekly payment in a stablecoin just for hold. **You can purchase SURGE through tribaldex.com and soon on DeFi platforms on the BASE blockchain.** _{LeoStrategy makes with LEO the same that MicroStrategy do with Bitcoin. For know more about LEO token go to @leofinance and @khaleelkazi profiles on inleo.io} ### Why are HBD and SURGE the best options? By explaining what each one is about, the advantages are clear, and if you investigate a little further by accessing the hyperlinks in the text, it becomes even more evident. With HBD, we have decentralization, security, rapid liquidity, and stable profits. With SURGE, we have security, permanent liquidity, stable profits, a guaranteed base price of $1, and unlimited upside potential thanks to the guaranteed convertibility of 50 SURGE = 1 LSTR. However, its true usefulness lies as a means of profit protection. For example, let's say you invest in Bitcoin Cash and this cryptocurrency appreciates 50%. You then have two alternatives: 1. Hold and ride the roller coaster of price ups and downs. 2. Take profits and protect yourself. If you decide to take profits, if you only leave the stablecoins in your wallet, you expose yourself to loss of value due to inflation. The ideal would be a decentralized stablecoin that allows you to earn dividends that beat inflation and doesn't affect your liquidity. Have you realized why HBD is the best option available? Now let's say you don't just want to earn dividends, you also want to exponentially increase those profits. This is where SURGE comes in, an investment vehicle that's not exactly conservative, but very safe. By taking strategies from traditional finance and applying them to cryptocurrencies, the upside potential is unmatched. Returning to the starting point of this post, HBD and SURGE converge in being the way to increase money that gives users the most peace of mind. Predictable earnings, immediate or permanent liquidity, zero fees or penalties, your money always yours. They take the traditional idea of a bank account with good interest, improve it, and bring it to the world of cryptocurrencies and decentralization. *** *All images are created by me with Grok AI* Posted Using [INLEO](https://inleo.io/@yecier/stablecoins-and-yield-hbd-and-surge-show-the-way-ena)