> For the complete documentation index, see [llms.txt](https://mortgagefi-docs.gitbook.io/mortgagefi-documentation/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://mortgagefi-docs.gitbook.io/mortgagefi-documentation/getting-started/components/earning-vaults.md).

# Earning Vaults

Earning Vaults enable liquidity providers to earn high yields. Key features include:

* Deposit stablecoins to provide liquidity and receive mortgageFi synthetic stable coins in return
* Earn up to \~25% APY from borrower repayments plus extra yield through early repayment fees

To start earning, visit the [markets](https://markets.mortgagefi.app/markets) page and choose a vault (as shown below) through the Earn option.\
\
![Screenshot of a vault on the markets page with the Earn button highlighted](/files/hpoMN2l5xGzN1feQcfFS)\
\
On the [Earn](https://markets.mortgagefi.app/earn) page you will have the option to use the protocol swap modal (deposit tab as shown below) which is fixed at 1:1 or you buy directly from Uniswap where prices may fluctuate slightly (presenting possible arbitrage) .\
\
![](/files/9bKem1T5pxItcImh4Ne8)

### Transferability of earn position between wallets

Earn positions are established by users holding mortgageFi synthetic stable coins which will be received at a rate of 1:1 compared to the number of units you deposit.

If you deposit 100 USDC you will receive 100 mortgageFi stables.

Whichever wallet holds mortgageFi stables will earn pending rewards so transferring mortgageFi synthetic stables from one wallet to another also transfers the earning potential.


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