# Lend

Lending on NAVI allows you to supply assets to a shared liquidity pool. When you supply assets, you can:

* Earn interest from borrowers
* Use your supplied assets as collateral to borrow other assets

Your supplied assets generate yield over time, while also increasing your borrowing capacity if you choose to open a loan position.

### Log In

* Visit [app.naviprotocol.io](https://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.

<figure><img src="/files/RF5LOPB81EjR6GmvBHsQ" alt="" width="375"><figcaption></figcaption></figure>

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXcm36HDyVz2MVNDU3BlMuglUZ3sq7yuO6KlLOzQ3tneadLNh1iObvRSiSlWi0Bgf4Z7Ua_V-VQA6bgv2D_z_z9sJfF8w3U8wn3B0q2L966C6mcAYt54u5gyQBJWs_DBqPzicH8IbQ?key=33GO0JS-NU-2-0txD4NVe7Fn" alt=""><figcaption></figcaption></figure>

### How to Deposit/Supply

* After logging in, click “Supply” on the asset you hold to deposit it.

  You can click the asset row to view details such as LTV, collateral value, and liquidation threshold.
* Enter the amount (or select Max), review the APR, Health Factor, and gas fee, then click “Confirm.”
* Once confirmed, your assets are supplied and begin earning interest immediately.

<figure><img src="/files/jhVwIuf6uphTXGkwre4M" alt="" width="375"><figcaption></figcaption></figure>

### 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](https://naviprotocol.gitbook.io/navi-protocol-docs/protocol-parameters/lending-and-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.

### How do I withdraw?

* To withdraw, click on the “**Withdraw**” button in “Your Supplies” for the asset you wish to withdraw.&#x20;
* Select the amount to withdraw and submit the transaction.&#x20;
* Be careful, withdrawals may reduce your health factor and increase the risk of liquidation.

<figure><img src="/files/krQkrhQHLqMAQrRpAKx4" alt="" width="375"><figcaption></figcaption></figure>

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXdZUsdTJNICGhFbNbipGIyn2YmpAO4yBPnW-jtEHpLWQdS6mTnTND3oisdSMzWzAhTUGpRAuVZoutd0EET86bbuXB-bPWoTXTbxfLlrAoTRK91m21PHM9pZN9VHugKAB2P19PBqYg?key=33GO0JS-NU-2-0txD4NVe7Fn" alt=""><figcaption></figcaption></figure>

### 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.


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