bitUSD is market pegged to the US Dollar, so while it is price stable, it still suffers any inflation USD experiences.
HERO token, which is a 5% savings account pegged to the US dollar
This is inaccurate. HERO's price feed is a formula, making it pegged to the value of the USD on December 23rd 1913, with 5% deflation going forward from that day. This means HERO appreciates in value at the rate of 5% annually, not against the value of USD today (which is variable), but against the fixed value of USD the day the Fed was founded.
For anyone who is used to thinking in terms of whatever inflationary fiat currency is chosen by the country they live in), HERO is a completely liquid savings account that earns more than 5% APR. While HERO appreciates at 5%, fiat currencies are also inflating, so the actual return from holding HERO will be something more like rate=5+x where x is the rate of inflation in the fiat currency it's being compared to.
Excellent point, had never thought about 5+x! I really hope HERO goes mainstream, could really change lives