By placing it in savings, one also earns a 20% APR, also paid in HBD.

Probably currently this is the most attractive point of the Hive Dollar (HBD). I currently have $53.78 HBD in savings, and currently (seven days after the last interest payment), the current estimated interest is $0.194 HBD.

I had around $1500 HBD in savings in the previous few months, but I withdrew and sold that, and nowadays I am rebuilding it. So I am regularly transfer Hive Dollars (HBD) to savings. Often multiple times per day.