> ## 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.

# Earn

> Your dollars, working.

Deposit dollars, any dollars. They earn while they are lent to people who borrowed against stocks.

Rate today is [6.81%](/concepts/interest-rates).

<Frame caption="Earning: one card, rate today, and Move to Cash.">
  <img src="https://mintcdn.com/mystockline/T8zoJG9K_VZWCC6Y/assets/app/earning-desktop.png?fit=max&auto=format&n=T8zoJG9K_VZWCC6Y&q=85&s=e6e81c0e8ac5ae4f6d7b3f27a3af4bd7" alt="The Earning screen in the app, showing dollars in the pool, rate today, and the Move to Cash button." width="2880" height="1800" data-path="assets/app/earning-desktop.png" />
</Frame>

One card. Dollars growing on screen. Rate today. How much of the pool is lent out. Reserve. Move to Cash available now.

Borrowers pay interest. A [15%](/resources/parameters) slice of that interest goes to the reserve first. The rest goes to Earning. See [Reserve and fees](/concepts/reserve-and-fees).

Lending has not opened yet on launch books. Your dollars earn yield from STK trading fees until it does. That sentence is the Earning card until a book flips on. Rate today still means today. It is not a forecast.

Moving back to Cash is instant when the pool has unused dollars. Paid. Every day.

Each day, Cash above your floor can move to Earning if you turn that on. Cash moves back when a buy or repay needs it. Keep this much in Cash is the floor control.

See where your dollars are lent on Markets: Earning all users, lent out, stocks backing it, reserve of target.

<Steps>
  <Step title="Move Cash to Earning">
    Starts earning today. Rate today is the reading at build, linked above.
  </Step>

  <Step title="Watch the card">
    of the pool lent out, reserve, earned so far.
  </Step>

  <Step title="Move back to Cash">
    Instant when the pool has unused dollars, then withdraw.
  </Step>
</Steps>

<AccordionGroup>
  <Accordion title="Rate looks different from yesterday">
    Rate today is not a forecast. It moves with how much of the pool is lent out. See [Interest rates](/concepts/interest-rates).
  </Accordion>

  <Accordion title="I cannot move to Cash">
    If the pool is fully lent out, you wait for someone to repay. The curve makes that expensive for borrowers, so dollars tend to come back.
  </Accordion>

  <Accordion title="Lending has not opened">
    Your dollars earn yield from STK trading fees until borrowing opens. See [STK](/ecosystem/stk).
  </Accordion>
</AccordionGroup>