HBD has been paying a good amount of returns on the investment and that too keeping the funds in almost like a flexible option. If we choose to keep HBD in saving then it's locked only for 3 days and we can get the tokens back in liquid in just 3 days' time and we can get all in on go. Recently the interest rate was increased to 20% from 12% after as agreed by the majority of hive witnesses and this is a very good investment option. Although this option is good to go for a decent earning option with HBD now the pHBD-USDC pool is a way better earning opportunity. I think that its the best to invest in the pool and put our money to earn an apr of almost 57% as of now. 

![image.png](https://images.hive.blog/DQmZYPNcnV6i6gPBr7zrV2nEoq4AXy1ND42Rfa9Zy7fKYQM/image.png)

With the launch of this pool, anyone can join the pool and enjoy the great rate of interest. This is based on polygon which offers some nice features including the low transaction fee and the safest blockchain network. Now Leofinance team has 2 DeFi platforms and these are cubdefi and PolyCUB. Cubdefi is based on Binance smart chain and PolyCUB is based on the polygon network is one of the leading networks to date. 

Currently, this pool has total liquidity of 246k USD, and it's increasing by the day which means more people are investing as and when they get to know about it. The current APR is 56.71% however if go by compound interest then it's 76.09% and this is very high and I as far as I know about stable coin pool then there is no one like this. 

![image.png](https://images.hive.blog/DQmeNcFKuYBisyYVjX2L7u15tKhES4DGbHkUndaKAm6eFi6/image.png)

Here is the snapshot that is showing the better compound calculation and here if you can see from 1 day to 365 days APY and if we put the funds for 1 year then at this rate we can earn such a significant return. 

![image.png](https://images.hive.blog/DQmZZaeBheMedaGAW7U1aHDsXJMGquxq5bC4sWZnTZvGPfL/image.png)

** **

There are a few reasons why we should surely go for the pool for investing and this is even more needed.

* Hive is an over a million users community and if even 50% of the hive users invest then we can see the pool value going like skyrocket but for that, we need to share more about it. I think that very few people are aware of this because not everyone is so active and even there are many users who are active in certain communities but not in LeoFinance. It's the time when we need to share more about this so that everyone gets to know about it across the hive. We also need to spread awareness about it outside the hive through alternative social media channels. This will bring more people on the pool and this is what we all should do. 

* There are very few pools offering the pair of two stable coins and this comes with an advantage. With the stable coins, we need not worry about impermanent loss and anyone can invest because the only option here earns more and there will be no price fluctuations. Many people invest with care because of this impermanent loss but now with this pool, PolyCUB has solved this problem. 
* There will be quite a good amount of liquidity so this will not be a problem. Since the Leo team is trying to bring more investors so in the future there will liquidity in million and with more liquidity we will always have the option to buy and sell with ease.
* This pool is even good for the traditional investors who are not comfortable with a high-risk appetite because both coins are stable so the price will not fluctuate much and this is why it's a great option for them to be part of.  
* I expect that whoever this will also reduce the amount in HBD saving because this way one can earn almost 3 times of what they get with savings and this is also a wise choice looking at the current APR offering. 

** **

So these are the reasons why every hive user should invest and before the whale investors make a move to this pool we should be able to grab this earning opportunity. Over the time the APR is likely to drop a bit because when more funds will be locked then it will bring the apr down however until then we have the nice opportunity to earn more as an early mover advantage. 

*Here I am sharing the link for polyCUB so check this out and bring more funds on the place so that it starts earning awesome returns for you.*

***https://polycub.com/farms***

**Thank You so much**

*Stay Safe*











Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@reeta0119/why-investing-on-phbd-usdc-farm-on-polycub-is-the-best-or-more-power-to-hbd-and-hive)