I see that you have put all your 2.704 HBD into your HBD Savings !INDEED. 😎 It will earn approximately 0.027 HBD after 30 days. 😏 !LOLZ

Some other Hive users, even if they find the APR of 12% too small, will still put their HBD in Savings to protect them from getting stolen, since it takes 72 hours for the HBD to get withdrawn from Savings, delaying any attempt to steal them. 🤓