> For the complete documentation index, see [llms.txt](https://learn.woo.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://learn.woo.org/user-guides/faqs/earn-vaults.md).
# Earn vaults
How do I deposit into an Earn vault?
Open [woofi.com/earn](https://woofi.com/earn), pick a vault, enter an amount, and click "Deposit". Vaults are single-asset, so you only need the token you are depositing. The first time you use a token there are two transactions: one to approve it and one to deposit.
Where does the yield come from?
From borrowing interest. WOOFi's market maker borrows tokens from the vault to fill swaps and pays the vault for them. The yield is not a token incentive, and vaults do not place your deposit in third-party protocols.
Why does the APY change?
The borrow rate is set by a formula, and your yield depends on how much of the vault is lent out. As deposits grow, the yield comes down slightly. As trading demand grows, it goes up. WOOFi may also raise rates for limited periods, such as promotions. Yield tends to settle around 4%-9% APY.
Do I need to claim my yield?
No. Yield is added to the vault automatically, so each share of the vault is worth more tokens over time. Your balance on the Earn page already includes it.
What are RWA vaults?
RWA vaults are Earn vaults for tokenized stocks, which are tokens that track the price of a real share. They work the same way as every other Earn vault. The first two are NVDAB (NVIDIA) and SPCXB (SpaceX) on BNB Chain.
Do I keep my stock exposure in an RWA vault?
Yes. Your deposit stays in the stock token, so it moves with the share price and reflects dividends automatically. The vault yield adds more of the same token on top.
How can I withdraw funds from Earn vaults?
There are two ways.
* **Request withdrawal (recommended).** Request any amount at any time with no fee. After the weekly settlement, which starts every Monday at 0:00 UTC, go to the bottom of the "Withdraw" tab and click "Withdraw" to receive your tokens.
* **Instant withdrawal.** Withdraw immediately, up to the weekly limit, for a 0.3% fee.
After you request a withdrawal, an icon appears next to the token name. Yellow means the request is waiting for settlement. Green means your tokens are ready and you need to click "Withdraw" in the withdraw tab.
What's the difference between standard and instant withdrawals?
**Standard withdrawal** has two steps, request and withdraw. There is no fee or limit, and you can request at any time except while the vault is settling. Tokens are ready when the next settlement completes, no later than 0:00 UTC Tuesday and usually within a few hours.
**Instant withdrawal** is immediate. At the start of each weekly cycle the vault sets aside 10% of its assets for instant withdrawals. You can withdraw within the weekly limit for a 0.3% fee. The limit resets each cycle.
What is BTC.b and how do I earn yield on it?
BTC.b is the wrapped BTC token on the Avalanche C-Chain. You can convert BTC to BTC.b with Avalanche's Core wallet, then deposit it into the BTC.b Earn vault on Avalanche to earn yield paid in BTC.b.
How to convert BTC to BTC.b: Why am I being quoted too much on gas prices?
If you’re sure that the gas fees displayed are not just because of congestion on the chain, then it is likely that this is because of an RPC issue in your wallet provider. These also happen on certain wallets when switching chains.
To fix this problem, head to and follow the steps there to change the RPC on the chain that you are trying to use.
Once done, refresh our site and try again
If the above doesn't work, it might be because you simply don't have enough gas for the crosschain transaction, try having at least $8 (mainnet might require much more) and then see if the gas prices show more reasonably.
