# Earning

**Earning** is a flexible savings program suitable for investors who prioritize high liquidity on the platform **ONFA**, allowing you to:

✅ **Receive daily interest** in VNDT.\
✅ **No asset lock-up required** - Withdraw at any time.\
✅ **Supports a diverse range of coins** (USDT, BTC, ETH, OFT,...).\
✅ **Optimize returns** from idle capital.

**Differences compared to Savings:**

* No requirement to lock funds for a fixed term.
* Lower interest rates than Savings but more flexible.
* Interest is calculated daily and automatically credited to the wallet.

### **A. G**introduction to the Earning feature

#### **1. Earning interface overview**

When accessing the **Earning**section, the system will display:

* **Flexible savings interest rate table.**
  * List of supported assets (12 coins).
  * Detailed information:
    * Annual percentage yield (APY).
    * Additional interest rate (Add %).
    * Type of reward (Reward).
  * Helps users compare and select suitable assets.
* **Profit chart**
  * Track profits by day/month/year.
  * Scale from 0–60% to assess investment performance.
  * Visually displays profitability levels.

<figure><img src="https://3543960588-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHVUlozWTsEZi0p2AOyyB%2Fuploads%2FjHQ3veTnipKxtFrvRcV4%2FSnag_39f62d0f.png?alt=media&#x26;token=b54e7204-6197-4941-9901-e79e69e3c0d6" alt=""><figcaption></figcaption></figure>

#### **2. Details of supported assets**

When selecting a specific coin:

* **Basic information:**
  * Total balance (Total Balance).
  * Minimum balance (Minimum Balance).
  * Daily interest (Daily Interest).
  * Annual percentage yield (APY).
  * Total interest received (Total Interest).
* **Earning history:**
  * View on the same page (scroll down).
  * Record details of interest received.
  * Monitor profit fluctuations over time.

<div><figure><img src="https://3543960588-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHVUlozWTsEZi0p2AOyyB%2Fuploads%2FU8sV6q1gqGaRN4i4n3Xe%2F2025-06-20_15-58-43.png?alt=media&#x26;token=ba9006f2-fe73-47e5-8daf-2d4bad16f9ab" alt="" width="237"><figcaption></figcaption></figure> <figure><img src="https://3543960588-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHVUlozWTsEZi0p2AOyyB%2Fuploads%2Fl1NBfeBjaMB9qM7Glb63%2Fimage.png?alt=media&#x26;token=29121cb8-b6a7-4b55-8991-5c82c6959763" alt="" width="246"><figcaption></figcaption></figure></div>

> *Note:*
>
> * Supports 12 popular coins.
> * Interest rates may change according to the market.
> * No asset lock-up required.

### B. Main activities

#### **1. Key notes:**

* **How to participate**: Simply hold **12 supported coins** in the **Earning wallet**.
* **Returns**:
  * Are paid in **VNDT** (stablecoin).
  * Automatically received daily (every 24 hours).
* **Flexible**:
  * **No term, no asset lock-up** – similar to flexible, termless savings.
  * Coins can be deposited/withdrawn at any time.
* **VIP benefits**:
  * Additional **0.1% APY** for each VIP level increase.

#### **2. Effects of user actions:**

* **Deposit/withdraw coins**:
  * Increase/decrease the balance in **Earning wallet** will **change returns calculated based on the new asset value**.
  * No limit on the number of deposits/withdrawals.
* **VIP level**:
  * Each time VIP is upgraded, receive immediately **+0.1% APY** on total returns.
  * Returns are calculated according to **the VNDT exchange rate of each coin** at the time the reward is received.

> **Points to remember**
>
> * **Easy to use**: Simply hold coins in the wallet to earn interest.
> * **Flexible**: Withdraw at any time without fees or penalties.
> * **Additional returns**: VIP increases APY, suitable for long-term users.