If you have 1 Hive token, you have a 0.045 euro loan agreement, and you will be repaid your 0.045 euro principal when the loan matures. The principal of the loan agreement is always 0.045 euro over the life of the loan. Creditors holding loan agreement receive interest if blockhive makes profits. Hive tokens are access tokens that enable creditors to transfer loan agreements. While the principal value of the Hive token remains unchanged at 0.045 euro, the market price of a Hive token may increase or decrease based on investors’ expectations that the profits generated by the blockhive community will rise or fall.