> ## 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.

# Supply to Earn

> Lend XLM, BLUSDC, AqUSDC or SoUSDC from your wallet and receive interest-bearing vTokens.

Supplying moves tokens from your **wallet** into a Vanna lending pool. You get vTokens back in your wallet. No margin account is needed.

![Earn XLM pool page with Statistics showing Total Supplied 120.72K XLM and Total Borrowed 79.70K XLM, Supply APY 15.26%, Borrow APY 23.11%, Utilization 66.02%, Liquidation Penalty dynamic 0-15%, and a Supply Liquidity form for 10 XLM showing You Get 9.8181405 vXLM, XLM per vXLM 1.0185228 and estimated monthly and yearly earnings](https://mintcdn.com/vannafinance/nTvFas2wipJFpeKy/images/stellar/earn/earn-pool-supply.png?fit=max\&auto=format\&n=nTvFas2wipJFpeKy\&q=85\&s=4ea535801e5dff46c7cb6c0f1f4f0a1d)

An XLM pool page: Details tab on the left, the Supply Liquidity form on the right with the vXLM you'll receive and estimated earnings. Click the image to zoom.

**1. Open the pool**

Go to **Earn** and click XLM, BLUSDC, AqUSDC or SoUSDC. Make sure your wallet holds that exact token.

**2. Enter an amount**

Under **Supply Liquidity**, pick the asset, type an amount or use **10% / 25% / 50% / 100%**. Your wallet balance is shown under the field.

**3. Check More Details**

Expand **More Details** to see **You Get** (vTokens), the exchange rate (for example XLM per vXLM), the current Supply APY and estimated monthly and yearly earnings at that APY.

**4. Sign**

Click **Supply Liquidity** and approve in your wallet. Wait for the confirmation.

**5. Check your position**

Your vTokens appear on the **Your Positions** tab and in **Portfolio → Lender**.

## Good to know

* **You get fewer vTokens than tokens supplied.** Each vToken is already worth more than one unit of the underlying (here 1.0185 XLM per vXLM), so 10 XLM buys about 9.82 vXLM. Their value keeps growing.
* **100% of XLM is safe.** The form keeps back your wallet's minimum XLM reserve plus a fee buffer, so your account can't get stuck.
* **APY isn't fixed.** The estimate uses today's Supply APY, which moves with utilization.
* **vTokens aren't collateral.** They stay in your wallet and don't back a margin account.

History can lag a confirmed transaction by a few seconds. Next: [Withdraw](https://docs.vanna.finance/stellar/guides/earn/withdraw.md).


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