> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vanna.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# For Liquidity Providers

> Supply SOL, USDC or USDT and earn the interest margin accounts pay.

## What you earn

You supply an asset to its lending pool and receive **vTokens** (vSOL, vUSDC, vUSDT). Borrowers pay interest into the pool, so each vToken is redeemable for more of the underlying over time. Your **Supply APY** depends on how much of the pool is borrowed (its utilization): the busier the pool, the higher the rate. See [Interest Rate Model](https://docs.vanna.finance/solana/learn/interest-rate-model.md).

## What you risk

* **Liquidity:** you can withdraw only what isn't currently lent out. In a very busy pool (high utilization) you may have to wait for repayments or liquidations to free cash.
* **Bad debt:** if a borrower's collateral falls faster than it can be liquidated, the pool can take a loss. Vanna liquidates at a health factor of 1.10, while every borrower still has more collateral than debt, to keep this rare. The [Analytics](https://docs.vanna.finance/solana/guides/analytics.md) page shows estimated bad debt and accounts at risk live.
* **Test network:** today's app runs on a mainnet fork; balances are test balances.

## Other ways to earn

* **Predict:** hold matched Yes and No shares and they earn in Vanna's USDC pool until the event resolves ([Predict](https://docs.vanna.finance/solana/guides/predict/earn-while-you-wait.md)).
* **Farm:** through a margin account you can supply to Kamino or deposit into Perena and basis vaults ([Farm](https://docs.vanna.finance/solana/guides/farm/overview.md)).

## How to start

**1. Sign in and get test funds**

[Connect your wallet](https://docs.vanna.finance/solana/guides/connect-wallet.md) and mint test funds from **Deposit** ([Faucet](https://docs.vanna.finance/solana/guides/faucet.md)).

**2. Supply**

Open [Earn](https://docs.vanna.finance/solana/guides/earn/overview.md), pick a pool and [supply](https://docs.vanna.finance/solana/guides/earn/supply.md).

**3. Track it**

Watch interest on [Portfolio → Lender](https://docs.vanna.finance/solana/guides/portfolio.md).

## Next steps

> **[Supply on Earn](https://docs.vanna.finance/solana/guides/earn/supply.md)**
>
> Lend SOL, USDC or USDT.

> **[Interest rate model](https://docs.vanna.finance/solana/learn/interest-rate-model.md)**
>
> How utilization sets your APY.


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