Just yesterday I harvested my Interest for the assets held in the HBD Savings and it was a whooping 69.661 HBD. I simply cannot imagine an easier way of earning than this. Renting real estate in real world was something that I've thought doing, but just thinking of the tenants and the problems I might have them with them, simply kept me awake at night. With HBD Savings you just put your invested or earned HBD there, forget about it and come back in a month where compounded interest is paid. And to make things easier, it is put back into the HBD Savings making sure that your assets keep on working, even when you are sleeping. This for me looks like piece of mine and a type of investment that simply keeps on giving.

![image.png](https://files.peakd.com/file/peakd-hive/behiver/AK55ZR8Vg8ZFbtnb9Zk2JTNhkRsscTWAU7rDXzaD8NkFiUoAjHAfsiB42YVNvRh.png)

And honestly, the more I look at it, the more I realize how underrated HBD Savings really is. Here are just a few of the things that make it such an easy and appreciated investment for me.

### Safe and stable
HBD is designed to keep its peg to 1 USD worth of Hive, so you don't get hit by crazy price swings. I don’t have to keep checking charts or worry about volatility. It just sits there and does its thing. It still offers some appreciations on which you good do few percentages earnings, but I am a little bit lazy by hunting that which requires keeping HBD liquid at all times. I prefer to deposit it into Savings and have a sure revenue stream.

### Auto-compounding in real time
The interest is added straight back into the savings account. No clicks, no extra steps—just let it grow month after month, hands-free. While I am not sure about it, I think the compounding is happening at blockchain block transaction time, which is 3 seconds. So the compounding effect is truly real time.

![image.png](https://files.peakd.com/file/peakd-hive/behiver/23tbKPKtt2V9E5AmDNH8ZTLE2tAwZJBcFUkBY6iGqUjBxE5UNwF6rquByvLaCJ8i4d4dX.png)

### Better returns than banks
Let me be honest with you — 15% APR is something you don’t see in traditional finance. Most banks give you crumbs in savings, while this just quietly builds your wealth. For example, I have some money in a Savings account and I get somewhere between 3-4% APR. Compared to that we can simply see that HBD Savings offer X4 - X5 more value out of it.

## No stress, no drama
I've always thought that investing in real estate and renting is a great business model. But with HBD Savings, there's simply no tenants, no maintenance, no customer service calls. Just me, my wallet, and that peaceful feeling of seeing my balance go up every month. This type of investment is more suitable to me as I would probably be a lazy administrator with real life assets. And I also don't like conflicts and problems would surely appear, thus peace of mind is very important to me.

### Expanding into VSC Validators
VSC is using HBD to provide validators 15% APR on their collateral before even counting in cross-chain fees, giving it a significant advantage in the DeFi and crosschain space. This elevates any earnings from ground zero, thus it makes me really think about it and maybe run a validator node.

https://images.hive.blog/0x0/https://files.peakd.com/file/peakd-hive/behiver/23t7FUE1BUnSUt5ygXjj2MgytbrZHDvZ8mYysDsTYdhHPn4KFpbWX4SUxpupKnr6sdVSm.png

To sum it up, HBD Savings has become my quiet little money machine. It rewards patience, requires no daily effort, and has delivered consistent returns month after month. If this keeps up with the 15% APR — and I have every reason to believe it will — this might turn out to be one of the smartest moves I’ve made in my journey on the Hive blockchain. And on top of that any blogging rewards in HBD that come my way, I am depositing right away into Savings. That's all I wanted to say about this and I only need to let the compounding keep rolling. This is the way!

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