> 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/high-yield-vault.md).

# High Yield Vault

More markets, higher APR — with the risk drawn just as clearly.

**High Yield** is NAVI's higher-return track: broader markets and leveraged strategies for users who want to reach for more.

<figure><img src="https://757519164-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYTRq6w3DGapKHxfqaA3Z%2Fuploads%2FRBfHvduSMgZ8JFtfdaZK%2Fimage.png?alt=media&amp;token=311f856c-f6f0-4219-a69d-c46ebc27e1c7" alt=""><figcaption></figcaption></figure>

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### What's inside

<table><thead><tr><th width="104">Type</th><th width="230">What it does</th><th width="108">Leverage</th><th width="134">Withdrawals</th></tr></thead><tbody><tr><td><strong>Lending</strong></td><td>Auto-allocates across NAVI's Main + Isolated markets for the best rate</td><td>No</td><td>Instant</td></tr><tr><td><strong>Multiply</strong></td><td>Automated looping to amplify yield (see Multiply Vault)</td><td>Yes</td><td>Daily</td></tr></tbody></table>

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### How your yield is generated

<figure><img src="https://757519164-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYTRq6w3DGapKHxfqaA3Z%2Fuploads%2FrPpda81VKnNbtPmqKF2t%2Fimage.png?alt=media&amp;token=d067d8f9-befb-4b3e-bbb6-2a1a49a3a0eb" alt=""><figcaption></figcaption></figure>

Higher yield means broader **exposure** — the assets and protocols your funds back. Each vault shows its exposure on the detail page, so you always know where your capital goes.

<figure><img src="https://757519164-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYTRq6w3DGapKHxfqaA3Z%2Fuploads%2FNjG5KOBadxlOBucGmWyQ%2F2.png?alt=media&amp;token=b54a0588-e82e-4548-b269-2b251cb500a7" alt=""><figcaption></figcaption></figure>

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### How to supply

Depositing works like any vault (see [Earn](/navi-protocol-docs/user-guides/earn.md))&#x20;

1. On Earn, open a vault with High Yield.
2. Review its exposure and withdrawal terms on the detail page.
3. Enter an amount and confirm.

During extreme market stress, withdrawals from isolated markets may be briefly throttled to protect the vault from bad debt.

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### Multiply — the leveraged option

Multiply is a **one-click** strategy that amplifies yield through automated leverage. It's the only High Yield vault that uses looping; you never loop by hand.

**How looping works**

<figure><img src="https://757519164-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYTRq6w3DGapKHxfqaA3Z%2Fuploads%2Fj1WpmGphsbEki5O2u8xK%2Flooping.png?alt=media&amp;token=28ff9758-0bbb-4580-86ea-1b065c5d353a" alt=""><figcaption></figcaption></figure>

Looping increases your total supplied balance — amplifying yield versus a simple deposit, with continuous rebalancing to manage liquidation risk.

**Managing your position**

Add more to increase exposure, or withdraw anytime. On withdrawal the vault automatically:

`Unwind leverage` → `Repay debt` → `Swap as needed` → `Return assets to you`

<figure><img src="https://757519164-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYTRq6w3DGapKHxfqaA3Z%2Fuploads%2FNixPuWU1b0EgSumeMsgJ%2Fimage.png?alt=media&amp;token=a8ea0478-31ab-4173-9939-12cdfca7aab2" alt=""><figcaption></figcaption></figure>

**Multiply fees**

<table><thead><tr><th width="215">Fee</th><th>Amount</th></tr></thead><tbody><tr><td>Borrow fee</td><td>None</td></tr><tr><td>Flash loan fee</td><td>None for users</td></tr><tr><td>Withdrawal fee</td><td>0.2%</td></tr><tr><td>Performance fee</td><td>10% on profits — temporarily waived</td></tr></tbody></table>

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#### Supplying to High Yield

Open a High Yield vault on [Earn](/navi-protocol-docs/user-guides/earn.md), review its exposure and terms on the detail page, and deposit. During extreme market stress, withdrawals from isolated markets may be briefly throttled to protect the vault from bad debt.