It’s  the bear season, everyone is shocked and hyped, not the positive hype but the disbelief hive, because the market is obviously going down, people are looking for the safest way to preserve their wealth now. Just so you are prepared for this, be ready to being reading a lot of blog post about the bear run, it’s the season, that’s the latest talk in the crypto town. I’m not going to say I am bored hearing it, it’s exciting hearing lots of people talk about it, because, when it pumps, we also talk about it. Now it’s dumping, we are going to talk about it. 


![5B632D2B-5612-4D90-AF5A-C1559B0F88FB.png](https://images.hive.blog/DQmeW6fPCvi5W8dHRxoNY1JZkVNxR9z8921s7ciVYkiUqM4/5B632D2B-5612-4D90-AF5A-C1559B0F88FB.png)


I haven’t visited POLYCUB in a while because, I have been busy with other projects and investments, polycub has just been there autocompounding, don’t have much stake there, because, there are so many places to put your money in, but limited amount of funds. While I have been enjoying 20% APR on HBD savings, it’s no doubt that the pHBD-USDC pool gives more better yield with its over 30% APR yield rewards. We were promised that the APR will never go below 30% APR, so far, it’s been above 30%. 


While it feels great to have some of your assets in StableCoin during this dip, I hope you remember to make that stablecoin work for for you. The Leofinance team has made wrapping HBD pretty easy, you can wrap your HBD to pHBD at 1:1 which is quite a great advantage for you because pHBD has been maintaining the $1 peg price a while now, and the arbitrage between the HBD and pHBD can be considered profitable as pHBD worths more in $$ than HBD. But that’s just part of the reason to utilize POLYCUB and make more money. 

Hive has given us the opportunity to still make money during the dip, which is through blogging and earning curation rewards, not everyone can afford fiat right now for investment since most of their money is tied up in crypto investments. So the best way is to create content, earn HBD and stake it on polycub in pHBD-USDC liquidity pool, earn over 30% APR yield and also help increase access to HBD for outside investors who would like to buy HBD and stake in the HBD savings. Remember that was the reason pHBD-USDC pool was created initially. To help create instant supply of HBD to people who would like to invest on HBD savings in bulk. 


Other pools are currently in great decline in value based on the market dip, impermanent loss is currently dealing with lots of people’s assets in the liquidity pool because of the volatility in the market. But pHBD-USDC pool is pretty stable with May be 0.1% slight shift in impermanent loss. So yeah, only the people who have lots of their assets in stablecoin or the pHBD-USDC, will be sleeping right without any bother because they will keep getting the reward yield value they have been getting, no matter how dip the market goes. 

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@readthisplease/pool-of-red-but-who-is-checking-when-phbd-usdc-is-offering-over-30-apr)