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

# Using Earn

> Navigate the Earn page, supply assets, withdraw, and review your transaction history on Jupiter Lend.

This guide walks through the Earn page on Jupiter Lend: how to read the interface, supply assets to earn yield, withdraw your position, and review your activity. For a breakdown of how Earn works under the hood, its fees, and its risks, see the [Earn reference page](/user-docs/earn/lend/earn).

***

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***

## The Earn page

Open the Earn tab at [jup.ag/lend](https://jup.ag/lend). The page is organised into three main blocks.

### Protocol stats

Three figures at the top summarise the state of Jupiter Lend across all products (Earn, Borrow, Multiply):

| Stat            | Meaning                                                             |
| --------------- | ------------------------------------------------------------------- |
| Total Supply    | Total value of assets supplied to the protocol, expressed in USD.   |
| Total Available | Liquidity currently available across all vaults, expressed in USD.  |
| Total Borrowed  | Total value currently borrowed across all vaults, expressed in USD. |

Next to the **Earn Interest on Your Crypto** title, a separate stat called **Earn Deposits** shows the total supplied to Earn vaults only, in USD, independent of Borrow and Multiply.

A **How it works** link sits next to the page subtitle. It opens a short in-app explainer. For a deeper breakdown, use the [Earn documentation page](/user-docs/earn/lend/earn).

### Your position

Three boxes summarise your activity across all Earn vaults:

| Stat                   | Meaning                                                                                                                    |
| ---------------------- | -------------------------------------------------------------------------------------------------------------------------- |
| Your Deposits          | Combined USD value of your deposits across all Earn vaults.                                                                |
| Your Earnings          | Total yield accrued across all your Earn positions, expressed in USD.                                                      |
| Projected Annual Yield | Estimated annual yield in USD, based on the current Annual Percentage Yield (APY) of each vault where you have a position. |

<Note>
  The Projected Annual Yield is a snapshot, not a forecast. Vault APYs change with utilisation, so your actual yield over a year can be higher or lower than this estimate.
</Note>

### Earning Vaults list

Below your position, all available vaults are listed. Each row shows:

| Column    | Meaning                                                                                 |
| --------- | --------------------------------------------------------------------------------------- |
| Vault     | The asset you can supply (for example USDC, SOL, JupUSD).                               |
| APY       | Current Annual Percentage Yield (APY) for this vault, shown as a percentage.            |
| Deposited | The amount you have supplied to this vault, shown in the native token and in USD.       |
| Earnings  | Yield you have accrued in this vault, shown in the native token and in USD.             |
| TVL       | Total Value Locked (TVL) in this vault: the USD value of all assets currently supplied. |

Use the toggle at the top right of the list to switch between grid view (cards) and list view (table).

***

## Supplying assets

<Steps>
  <Step title="Open the Earn tab">
    Go to [jup.ag/lend](https://jup.ag/lend) and select **Earn**. If you want to compare APYs and utilisation before choosing a vault, see the [Statistics page](/user-docs/earn/lend/statistics).
  </Step>

  <Step title="Select a vault">
    Click the vault for the asset you want to supply. A card opens with the vault details:

    * **Your Earnings** and **Deposited**: your current position in this vault, shown in the native token and in USD.
    * **APY**: current Annual Percentage Yield for the vault.
    * **Vault TVL**: total supplied to this specific vault, in USD.
    * **Layer Total**: aggregate figure for this asset across the shared [Liquidity Layer](/user-docs/earn/lend/liquidity-layer-and-risk-management), the unified liquidity infrastructure that Earn, Borrow, and Multiply all draw from.
  </Step>

  <Step title="Enter the amount">
    Type the amount manually, or use **HALF** or **MAX** to auto-fill half or the full balance available in your connected wallet.
  </Step>

  <Step title="Confirm the transaction">
    Click **Deposit** and approve the transaction in your wallet. One signature is required.
  </Step>
</Steps>

### What happens after you deposit

Once the transaction is confirmed:

* Your assets are supplied to the vault and start accruing yield immediately.
* A **JL Token** is sent to your wallet. It represents your share of the vault. A USDC deposit returns JL-USDC, a SOL deposit returns JL-SOL, and so on.
* For the JupUSD vault specifically, the JL Token is called **JUICED**. It has additional mechanics covered on the [JUICED page](/user-docs/earn/lend/borrow/juiced).

<Warning>
  Do not burn, discard, or lose access to your JL Token. It is the only on-chain proof of your deposit. Whoever holds the JL Token can withdraw the underlying funds from the vault.
</Warning>

<Note>
  The number of JL Tokens you receive is typically lower than the amount of underlying you deposited. This is expected. The JL Token price grows over time as yield accrues, so fewer tokens represent the same (and eventually more) underlying value. When you withdraw, the protocol redeems your JL Tokens for the equivalent underlying amount, including accrued yield.
</Note>

***

## Withdrawing assets

<Steps>
  <Step title="Open the vault">
    On the Earn page, click the vault where you have a position. The card opens with **Deposit** selected by default.
  </Step>

  <Step title="Switch to Withdraw">
    Select the **Withdraw** tab at the top of the card.
  </Step>

  <Step title="Enter the amount">
    Type the amount you want to withdraw, or use **HALF** or **MAX** to withdraw half or the full balance of your position.
  </Step>

  <Step title="Confirm the transaction">
    Click **Withdraw** and approve in your wallet. The underlying asset and accrued yield are sent to your wallet, and the corresponding JL Tokens are redeemed.
  </Step>
</Steps>

<Note>
  Withdrawals are subject to dynamic withdrawal limits that protect the protocol during periods of high utilisation. If the requested amount exceeds the available liquidity at that moment, you may need to withdraw in smaller amounts or wait until more liquidity returns to the vault.
</Note>

***

## Transaction history

The **History** tab shows all on-chain activity for the connected wallet across Earn vaults.

### Filters

The top bar offers several filters:

* **Source**: All, Deposit, Withdraw, Transfer, Redeem, Mint.
* **All Tokens**: filter by asset.
* **By date**: filter by time range.
* **All Status**: filter by transaction status (success, pending, failed).

Each row displays the source, amount (in native token and USD), timestamp, truncated transaction ID (clickable, opens the transaction on a Solana explorer), and status.

Use the **Download CSV** button to export the filtered history as a CSV file.

### Transaction types

<AccordionGroup>
  <Accordion title="Deposit">
    You supplied an asset to an Earn vault.
  </Accordion>

  <Accordion title="Withdraw">
    You took an asset out of an Earn vault, along with the yield accrued.
  </Accordion>

  <Accordion title="Mint">
    JL Tokens were minted to your wallet. This typically accompanies a Deposit.
  </Accordion>

  <Accordion title="Redeem">
    JL Tokens were redeemed against the underlying asset. This typically accompanies a Withdraw.
  </Accordion>

  <Accordion title="Transfer">
    JL Tokens were transferred into or out of your wallet. JL Tokens are standard Solana Program Library (SPL) tokens, so they can be sent to any Solana wallet. The recipient then holds the claim on the vault position.
  </Accordion>
</AccordionGroup>

***

## Common mistakes to avoid

<Warning>
  **Losing access to your JL Token.** The JL Token is the claim on your deposit. If you burn it, send it to a wrong address, or lose access to the wallet that holds it, the deposit cannot be recovered.
</Warning>

A few practical points:

* **Don't assume APY is fixed.** Earn APYs change with borrower demand. The Projected Annual Yield is an estimate based on the current rate, not a guarantee.
* **Keep a SOL buffer for fees.** Every deposit, withdraw, or transfer requires a small amount of SOL to pay Solana network fees. Running out of SOL will block further actions until you top up.
* **Don't expect instant full withdrawals during high utilisation.** Part of the liquidity is locked in active loans. You may need to withdraw in smaller amounts or wait until liquidity returns to the vault.
* **Don't treat JL Tokens as the underlying asset.** JL-USDC is not USDC, and JL-SOL is not SOL. They cannot be used interchangeably on other platforms unless the platform explicitly supports them.
* **Don't confuse JL Token amount with deposit amount.** The number of JL Tokens in your wallet is not equal to the amount of underlying you deposited. The JL Token price grows over time as yield accrues.
* **Verify URLs before connecting your wallet.** Only use official Jupiter interfaces. Phishing sites regularly imitate DeFi protocol frontends.

***

<Card title="Learn more on Jupiter Academy" color="#C7F284" icon="graduation-cap" href="https://academy.jup.ag/lessons/jupiter-earn">
  Maximizing Passive Returns with Jupiter Earn — a step-by-step lesson on how Earn works and how to use it.
</Card>