That is true but HBD could be resident on HIVE, earning the interest which is used, in some other combination, to payout for staking in the Kingdom. That is if they didnt want to utilize the bHBD version although I have a feeling that will be created. Why not? It only makes sense.
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They need to create bHBD since HBD can't be used on the BSC.
About using the staked HBD in kingdom to earn the 12% interest, they should be locked in order to benefit from the monthly interest rewards. Or they can add an incentive to Lock HBD for additional rewards.