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

# Savings

> Earn yield on your Cash (USDC) with no lock-up, and withdraw any time.

> [!NOTE]
>
> **Rolling out**
>
> Savings is being rolled out gradually. If you don't see **Save** in the More menu, it isn't available on your account yet.

**Savings** earns yield on your Cash (USDC). Your USDC on Base goes into a yield vault that lends it to borrowers.

* **Grows while it sits:** your balance goes up on its own, so there's nothing to claim.
* **Take it out anytime:** there's no lock-up and no withdrawal fee.
* The rate shown (**% APY**) is what you earn after fees. It changes over time with demand for borrowing.

## Add money to Savings

**1. Open More → Save, or tap Savings in your holdings on the Wallet tab**

**2. Tap Add**

**3. Enter an amount, or tap Add all**

**4. Confirm**

You'll see **Confirming on Base…**, then **Deposit confirmed**.

If your USDC is on another network, Savings offers to **Move USDC into Savings**. It converts the USDC to Base for you and shows the network fee before you approve.

If you don't have any USDC yet, tap **Add cash** to [deposit some](https://help.onlybulls.com/wallet/add-money.md).

## Withdraw from Savings

**1. Open Savings and tap Withdraw**

**2. Enter an amount, or tap Withdraw all**

**3. Confirm**

The USDC returns to your Cash balance.

## Good to know

* Savings is a crypto yield product, not a bank account. It isn't FDIC-insured, and like any lending protocol, it carries smart-contract and borrower risk.
* Your main screen shows how much you've **Earned** so far, plus your Savings **Activity**.
* If you see **Not enough ETH on Base for gas**, add a small amount of ETH on Base to cover the network fee.


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