> For the complete documentation index, see [llms.txt](https://naviprotocol.gitbook.io/navi-protocol-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://naviprotocol.gitbook.io/navi-protocol-docs/user-guides/earn.md).

# Earn

**Every vault on Earn is curated** — assembled and risk-managed by a defined discipline, not an open free-for-all. Supply an asset, earn variable yield from real borrower interest, and let the vault handle the rest.

Curated vaults come in **two types**:

<figure><img src="/files/4EFwFhLxORAncAXaqBEZ" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/NA31BFAmdLug1T9Vybfe" alt=""><figcaption><p>Prime &#x26; High Yield</p></figcaption></figure>

### :tada:New here? Start with the intro

**NAVI Earn** splits into two tracks so every user can choose their own risk profile.

* [**Prime Vault**](https://app.gitbook.com/o/dcxQ7e5pivSbceCjCqQ8/s/YTRq6w3DGapKHxfqaA3Z/~/edit/~/changes/217/user-guides/earn/prime-vault) — the flagship: isolated, transparent, curated markets on the cleanest collateral on Sui.
* [**High Yield Vault**](https://app.gitbook.com/o/dcxQ7e5pivSbceCjCqQ8/s/YTRq6w3DGapKHxfqaA3Z/~/edit/~/changes/217/user-guides/earn/high-yield-vault) — the broader, already-live set, including Savings, Multiply, and new isolated markets.

<table><thead><tr><th width="108">Type</th><th width="173">Tag</th><th>Built for</th></tr></thead><tbody><tr><td><strong>Prime</strong></td><td><code>Blue-chip</code></td><td>Isolated, blue-chip collateral, low exposure — institutions &#x26; safety-first capital</td></tr><tr><td><strong>High Yield</strong></td><td><code>Leveraged</code> / <em>(none)</em></td><td>Broader markets &#x26; higher APR — reaching for more</td></tr></tbody></table>

***

### :magic\_wand: The three roles

NAVI's markets connect three parties:

<table><thead><tr><th width="107">Role</th><th width="140">Where</th><th>What they do</th></tr></thead><tbody><tr><td>Supplier</td><td>Earn</td><td>Supply stablecoins, SUI, or BTC to a vault and earn interest.</td></tr><tr><td>Borrower</td><td>Borrow</td><td>Post collateral and borrow assets against it.</td></tr><tr><td>Curator</td><td>Curator Vault</td><td>Configure markets and manage risk; earn management and performance fees.</td></tr></tbody></table>

When you deposit on Earn, you are a **Supplier**.

***

### :magic\_wand: On a vault's detail page

Everything you need lives here:

* **APR** + historical chart
* **Total Deposits** & **Withdrawal terms**
* **Exposure** — where funds are deployed
* **Strategy Allocation** — the markets behind the vault
* **Deposit / Withdraw** actions

<figure><img src="/files/ORuab9N2P8kAuMlozZML" alt=""><figcaption></figcaption></figure>

#### Your position

Track real-time performance and history on the **Portfolio** page or the vault's **detail page**. For third-party vaults, you can also check positions on [Volo](https://www.volosui.com/vaults).

#### Exposure

*Exposure* shows what your capital is ultimately at risk against — the collateral, assets, or protocols your funds back. Prime keeps exposure narrow and blue-chip; High Yield accepts broader exposure for higher returns. Each vault's exposure is shown on the Earn list and in its Strategy Allocation.

#### Fees

Supplying is free — you only pay network gas. Some vaults charge a performance fee (from profits, never principal) or withdrawal fee (from withdrawal amount, like vSUI/SUI multiply vault); the exact structure is on each vault's detail page.

***

### :rocket: How to Get Started

#### How to Deposit (Stake)

* Go to the NAVI **Earn** page.
* Browse the curated vaults and pick one that matches your goal.
* Open the vault to review its **APR, exposure and withdrawal terms**.
* Click **Deposit** and enter an amount (or **Max**).
* Confirm in your wallet — your funds start earning immediately.

Once completed, your funds will be deposited into the Vault and begin generating yield automatically.

<figure><img src="/files/d4PqbsZZUa8hW2p3nMV8" alt=""><figcaption></figcaption></figure>

#### How to Withdraw

You can withdraw your position at any time.

* Open the vault's detail page and click **Withdraw**.
* Enter an amount and confirm.

If the vault includes an unstaking period, your funds will become withdrawable after the specified time.

Scheduled vaults queue your request until the next settlement time:

<table><thead><tr><th width="146">Schedule</th><th>What it means</th></tr></thead><tbody><tr><td><strong>Instant</strong></td><td>Withdraw anytime (subject to vault liquidity)</td></tr><tr><td><strong>Daily</strong></td><td>Processed once a day at a fixed time (e.g. 04:00 UTC)</td></tr><tr><td><strong>Weekly</strong></td><td>Processed once a week (e.g. Thursday 04:00 UTC)</td></tr></tbody></table>

***

### More vaults

Beyond NAVI's own curated vaults, a small set of **third-party vaults** managed by external partners appears under **More vaults**. These sit outside NAVI's curation — to explore and keep track of them, visit Volo:

[volosui.com/vaults →](https://www.volosui.com/vaults)