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Thanks and good luck again!

I don't understand about HSBI, can it be exchanged or what?

In short: with HSBI you can receive votes on your posts for a lifetime. The more you have the higher the vote.
So you can see it as a long term investment.
For more details information: https://peakd.com/@steembasicincome/posts

You can also ask to have them paid out in hive. But the hive you will receive are not very much.