Recently* it was decided to offer an extra incentive - 20% APR - to hive users when they put their HBD in the savings (3 days withdrawal period).
In order for the user to take it, they need to place their HBD into the Savings (you will see it in your wallet as an option)
Let me know if you have more questions :)
You can also check a recent post here https://leofinance.io/@davdiprossimo/deeper-dive-into-hive-s-stable-coin-hbd by @davidprossimo - a video with some links in the post.
*I think it was in April 2022
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Thanks for the explanation. I’ll check the video out:)