https://peakd.com/hive-102930/@blocktrades/important-note-for-anyone-holding-hbd-before-hardfork-25
Read that then come back here.
Basically, if you have HBD you'll only get interest if you hold it in savings, and so you might want to move it. It takes 3 days to move it out so that the only risk.
Its definitely interesting stuff going on in Hive. DEFI mania has hit hard and hive is trying to jump on the train. at 7% APR its not much but if proven stable, it might just be enough to get people onto Hive. I'll probably be buying some Hive and HBD for this. It looks like things are really splitting off from Steem there.