> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mystockline.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Cash and Earning

> Where your money sits and how to move it.

Cash buys stocks and repays loans. Earning is dollars in the pool.

Move between them when you want to spend or when you want yield.

<Frame>
  <img className="block dark:hidden" src="https://mintcdn.com/mystockline/T8zoJG9K_VZWCC6Y/assets/diagrams/using/cash-and-earning-light.svg?fit=max&auto=format&n=T8zoJG9K_VZWCC6Y&q=85&s=7142d636e32044e73473a73c413d7013" alt="Cash sits ready to spend. Earning sits in the dollar pool and grows while it is lent out." width="1200" height="400" data-path="assets/diagrams/using/cash-and-earning-light.svg" />

  <img className="hidden dark:block" src="https://mintcdn.com/mystockline/T8zoJG9K_VZWCC6Y/assets/diagrams/using/cash-and-earning-dark.svg?fit=max&auto=format&n=T8zoJG9K_VZWCC6Y&q=85&s=fcb178c42615fa1c98beb923a0bfd489" alt="Cash sits ready to spend. Earning sits in the dollar pool and grows while it is lent out." width="1200" height="400" data-path="assets/diagrams/using/cash-and-earning-dark.svg" />
</Frame>

Home shows both. Cash line: Buys stocks, repays loans. Move to Earning. Move to Cash.

Anything accepted as crypto is converted to dollars on arrival. They land in Cash. They do not earn until you move them to Earning.

Withdraw sends Cash, not Earning. Move to Cash first if the dollars you want out are still earning.

Moving back to Cash is instant when the pool has unused dollars. When the pool is lent out, you wait. The interest curve makes full use expensive on purpose so unused dollars return.

Earn on Cash can move each day's surplus above a floor into Earning, and move back when a buy or repay needs it. Off until you set a floor.

On testnet the same split exists with free test dollars. None of it is real.

The onchain view, if you open it, shows the pool, your balance in the vault, and the exchange rate. You do not need that drawer to use Cash and Earning.

<Steps>
  <Step title="Keep spend money in Cash">
    Buys and repays pull from Cash.
  </Step>

  <Step title="Move the rest to Earning">
    Starts earning today.
  </Step>

  <Step title="Move back before you withdraw">
    This sends Cash, not Earning.
  </Step>
</Steps>

<AccordionGroup>
  <Accordion title="I withdrew and Earning did not fall">
    Withdraw sends Cash. Move to Cash first.
  </Accordion>

  <Accordion title="Crypto arrived but is not earning">
    They land in Cash. They do not earn until you move them to Earning.
  </Accordion>

  <Accordion title="Move to Cash is slow">
    Instant when the pool has unused dollars. Otherwise you wait for repayments.
  </Accordion>
</AccordionGroup>