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Supplying an asset lends it to borrowers in that market, and their interest accrues to you. Supplied assets remain yours and can be withdrawn subject to available liquidity.

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Supplying

  1. Open Lend and select the market for the asset you want to supply.
  2. Review the market: its current rate, the rate breakdown showing which legs make it up, total supplied, and utilization.
  3. Enter an amount, or use the balance shortcut to supply your full holding.
  4. Approve the asset if this is your first supply of it to this market. This is a separate wallet transaction that permits the contract to move that asset. It is one-time per asset and market.
  5. Confirm the supply. Your wallet will ask you to sign.
  6. The position appears once the transaction is confirmed onchain.
Approval and supply are two distinct transactions, and each incurs a network fee. Some assets require the approval to be reset to zero before a new one can be set; where that applies, the platform handles the extra step for you.

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Reading a market before you supply

Utilization is the most informative single figure. High utilization means a high rate, but also that less of the supply is available to withdraw at any moment. Above roughly 70%, rates climb steeply and withdrawal availability starts to matter. The rate breakdown tells you whether the headline rate is borrower-paid interest or a rewards program. Rewards have budgets and end dates; interest does not. A rate that is mostly rewards is less durable than the same rate made of interest.

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Withdrawing

  1. Open the position and choose to withdraw.
  2. Enter an amount, or withdraw in full.
  3. Confirm in your wallet.
A withdrawal can be capped below your balance when the market’s assets are heavily borrowed: the market can only return what it holds. This is not a lock-up; as borrowers repay, availability returns. But it does mean a fully utilized market may not be exitable on demand, which is why the liquidity component of your portfolio health score tracks exactly this. If you are supplying against a redemption obligation of your own, treat withdrawal availability as a real constraint rather than an edge case.

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Collateral is not free to withdraw

If your supplied asset is also backing a borrow position, only the portion not required as collateral can be withdrawn. See Borrowing basics.

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Rates move

The rate at the moment you supply is not the rate you will receive. It floats with utilization for as long as you hold the position, and a rewards program ending will lower it. Nothing here is a fixed-term deposit.