How to Supply

Supplying serves two purposes on NAVI:

• Earn — supply into a vault to earn yield

• Borrow — supply an asset as collateral to borrow against (this page)

Supplied collateral earns interest and increases your borrowing capacity.

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1. Log In

• Visit app.naviprotocol.io to access the NAVI app.

• Click “Log In” in the top-right corner to get started.

• You can log in easily using your Google account or a SUI-compatible wallet such as Slush or OKX Wallet.

2. Supply collateral

• Click Supply on the asset you want to deposit.

• Click the asset row to view LTV, collateral value and liquidation threshold.

• Enter an amount (or Max), review APR, Health Factor and gas.

• Click Confirm — your assets are supplied and start earning immediately.

3. Withdraw collateral

1. Under Your Supplies, click Withdraw on the asset.

2. Enter an amount and confirm.

If the asset is being used as collateral, withdrawing lowers your Health Factor and raises liquidation risk.

How to Calculate My Earnings?

Liquidity providers earn continuous interest based on market conditions.

Your yield depends on:

• Borrow interest payments — Suppliers earn a share of the interest paid by borrowers, influenced by the average borrow rate and the reserve’s utilization rate. Higher utilization generally results in higher yield. Check out Lending & Borrowing to see the borrow interest rate model.

• Asset-specific APR — Each asset has its own supply and demand dynamics, and its APR changes over time.

To evaluate trends, review the 30-day average APR and historical data in the asset page.

Is there a minimum or maximum amount to supply?

You can supply any amount, as long as the asset’s supply cap has not been reached.

However, for very small deposits, transaction costs may exceed the expected earnings. Please consider potential fees before supplying small amounts.

How do I earn interest?

Interest accrues automatically on your supplied assets. As long as your assets remain in the lending pool, they continuously earn yield. When you withdraw, the returned amount already includes the accumulated interest — there’s no separate step required.

If the asset is eligible for additional incentives (such as token rewards), you can claim them separately from the Portfolio page.

Is there a fee charged?

Navi does not charge any fees for supplying (lending) your assets to the protocol. The only cost you may incur is standard network gas fees, which are required to process transactions on the blockchain.