The idea behind HERO on bitshares is that you can earn 5%APR interest on your holdings in hero. The price of hero is pegged to what the price of a dollar would be before the US gov severed the dollar's link to gold so about ~163, however, the market for heros fluctuates up and down at the moment because their isn't enough liquidity. Once a critical mass start saving in HERO, the whole world can have savings account that posts 5%APR
http://www.sovereignhero.com/