RE: LeoThread 2026-05-07 20-01
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6/7 🧵
Borrower disclosures: every borrower should sign/accept a plain-English risk sheet.
It should say:
- HIVE price can fall sharply.
- collateral can be locked, powered down, or liquidated.
- margin calls may happen quickly.
- HBD loan obligations remain even if HIVE drops.
- “Borrowing may avoid selling” is not tax advice.
- governance/multisig can act in emergencies.
- oracle errors and blockchain delays are real risks.
That last one matters because your own thread frames the DHF/HBD pool as a serious treasury facility, not casual lending: HCB treasury framing.
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HI @askrafiki Thank yu for the feedback, with regard to these notifications for borrowers: It should say:
You said: HIVE price can fall sharply. TMy statement: here are no liquidations, so this is not a concern
You said "collateral can be locked, powered down, or liquidated." My statement: collateral is never liquidated.
You said: "margin calls may happen quickly." My statement; Hive Comunity Bank doesn't do liquidations and doesn't do margin calls.
You said "HBD loan obligations remain even if HIVE drops." My statement: HBD interest is paid upfront, and while HBD obligation remains, Hive Community Bank keeps the collateral indefinitely, powered up as HivePower and earning Hive curation rewards.
You said: “Borrowing may avoid selling” is not tax advice." My statement: True.
You said: "governance/multisig can act in emergencies." My statement: We use a shared key model of security which takes advantage of Hive's intrinsic 3 day timelock on HBD withdrawals, crating a defence in depth against unauthorized withdrawals.
You said "oracle errors and blockchain delays are real risks." My statement: "We don't use oracles" and we use blockchain delays as security features.
@askrafiki YHIve Comunity Bank doesn't do collateral liquidations. s
@askrafiki Hive Comunity Bank doesn't do liquidations and doesn't do margin calls.