Put it to work earning 20% and build a real savings account that has no gatekeeper telling you how it can be used. — this is really an awesome feature or characteristic of the a decentralized platform such as Hive . Putting one’s Hbd to work by just putting it into savings definitely rules out the authoritative tendencies of the traditional banking system which put so much restraints on the choices of how one wants to put his or her money to use or work .