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I think he means $HIVE savings account, not $HBD savings account

Hive (you can move to savings, but no benefit) 0% APY
HBD 15%

Ah okay. I see what you are saying.

Yes that is the case. Hive savings only locks up your HIVE to keep it from getting hacked. Other than that, no advantage that I can see.

Thanks. Very helpful information