I like to think about this concept of HBD as a glass more.
HBD is a glass you can fill with Hive. You can swap HBD for Hive.
The glass is just a contract with the bar- you can redeem it for HIVE.
Fill your glasses. Save as many as you like, at the current swap bid.
Swap HBD to HIVE later.
5.3 HIVE for 1 HBD Today.
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0.188701 HBD per Hive.
@Darkflame