Supplying
Complete Guide to Supplying Assets and Earning Yields
Supply assets to Everst to earn continuously compounding variable interest rates. When you supply tokens, you provide liquidity for borrowers to use, and in return, you earn interest from their borrowing activity.
How to Supply Assets
Quick Start
Supplying assets to Everst takes just a few clicks:
Connect Your Wallet - Use MetaMask, Trust Wallet, or any Web3 wallet
Choose an Asset - Select from our supported markets
Enter Amount - Specify how much to supply
Approve & Supply - Complete two transactions
Earn Interest - Automatically compounds every block
Detailed Process
Supply assets to the protocol's liquidity pools
Receive BTokens as receipt tokens (e.g., supply USDT, receive bUSDT)
Earn interest that compounds every block
Withdraw anytime by redeeming your BTokens
Interest Accrual Mechanics
Interest accrues through BToken exchange rate appreciation:
BTokens maintain a constant balance in your wallet
The exchange rate between BTokens and underlying assets increases over time
This mechanism is gas-efficient and enables composability with other DeFi protocols
The exchange rate increases over time as interest accrues, allowing your BTokens to be redeemed for more of the underlying asset.
Current Supply Rates
Rates update dynamically based on market conditions
USDT
3-12%
40-80%
Up to 85%
Low
AAPL
4-15%
30-70%
Up to 75%
Medium
TSLA
6-20%
35-75%
Up to 70%
Medium-High
NVDA
7-25%
40-80%
Up to 70%
Medium-High
SPY
2-10%
25-65%
Up to 75%
Low-Medium
Note: Rates shown are examples and change in real-time based on supply and demand
Real-time Rate Influencing Factors
Borrowing Demand: Tokenized stock borrowing demand directly affects supply yields
Market Hotspots: Popular stocks (like AI concept stocks) typically offer higher APY
Earnings Seasons: Quarterly earnings periods increase borrowing activity
Market Volatility: High volatility periods increase borrowing demand
BTokens Explained
BTokens are ERC-20 tokens that represent your supplied position in Everst:
Key Properties
Transferable: Send BTokens to other addresses
Composable: Use in other DeFi protocols
Interest-Bearing: Automatically accrue value over time
Redeemable: Exchange for underlying assets plus interest anytime
Exchange Rate Example
When you supply 1,000 USDT, you might receive 50,000 bUSDT tokens. After one year at 5% APY, those same 50,000 bUSDT tokens can be redeemed for 1,050 USDT. The exchange rate increases from 0.02 to 0.021, representing your earned interest.
Tokenized Stock BToken Features
bAAPL, bTSLA, bNVDA etc. represent your tokenized stock supplies
Real-time Value Tracking: Tracks underlying stock price changes
Compound Growth: Stock appreciation + interest yields dual growth
24/7 Tradeable: Not limited by traditional market hours
Technical Details
Decimals: Configurable per market
Initial Exchange Rate: Set at market creation
Implementation: Modified ERC-20 with additional mint/redeem functions
Collateral Benefits
Supplied assets automatically serve as collateral, enabling you to:
Borrow other assets against your supplies
Maintain exposure while accessing liquidity
Earn interest even while using assets as collateral
Collateral Factors by Asset Type
USDT Stablecoin
85%
Low
88%
Conservative base allocation
Blue-chip Stock Tokens (AAPL, MSFT)
75%
Medium
80%
Core holdings
Growth Stock Tokens (TSLA, NVDA)
70%
Medium-High
75%
Growth allocation
ETF Indices (SPY, QQQ)
75%
Low-Medium
80%
Diversified investment
Collateral factors determine maximum borrowing power against supplied assets
Supply APY Calculation
Supply APY depends on the following factors:
1. Utilization Rate
The utilization rate (Total Borrowed divided by Total Supplied) is the primary driver of interest rates. Higher utilization leads to higher supply rates.
2. Interest Rate Model
Everst uses a jump rate model with a kink at 80% utilization:
0-80% utilization: Gradual rate increase
80-100% utilization: Sharp increase to maintain liquidity
3. Reserve Factor
A portion of interest goes to protocol reserves (typically 5-15%)
Majority distributed to suppliers
Complete Formula:
Supply APY = Borrow APY × Utilization Rate × (1 - Reserve Factor)Yield Maximization Strategies
Strategy 1: Stable Yield (Beginner Recommended)
Supply USDT for predictable returns:
Low Volatility Risk: Price stable, almost no liquidation risk
Stable APY: Typically 3-8%, quarterly fluctuations
High Collateral Factor: 85%, maximizes borrowing capacity
Target Audience: Conservative investors, DeFi beginners
Real Case:
Supply 10,000 USDT at 5% APY
Monthly yield approximately 41.67 USDT
Can borrow additional 8,500 USDT for other investments
Strategy 2: Stock Exposure + Yield (Advanced Recommended)
Supply blue-chip tokenized stocks while earning yields:
Maintain Long Exposure: Continue benefiting from stock price appreciation
Additional Yield: 4-12% APY from lending interest income
Dual Growth: Stock appreciation + interest yields
Target Audience: Long-term investors bullish on specific stocks
Real Case:
Supply $5,000 worth of AAPL tokens
Stock up 10% + interest yield 6% = total return 16%
Can additionally borrow 3,750 USDT for diversified investments
Strategy 3: High-Growth Stock Maximization (Aggressive Strategy)
Supply high-volatility tokenized stocks for maximum yields:
High APY Potential: TSLA, NVDA etc. can reach 15-25%
Volatility Arbitrage: High borrowing demand drives up rates
Optimal Timing: During earnings seasons, major news releases
Risk Control: Closely monitor health factor
Real Case:
Supply $3,000 worth of NVDA tokens
During AI boom, APY can reach 20%
Annual yield $600, but must bear price volatility risk
Strategy 4: Recursive Lending (Expert-Level Strategy)
Advanced strategy for amplifying yields:
Supply assets (e.g., 10,000 USDT)
Borrow portion (e.g., borrow 8,000 USDT at 85% collateral factor)
Re-supply borrowed amount
Repeat to amplify yields
Yield Calculation:
Round 1: 10,000 USDT supply, 8,000 USDT borrow
Round 2: 8,000 USDT supply, 6,400 USDT borrow
Total supply: 18,000 USDT, Total borrow: 14,400 USDT
Warning: This strategy amplifies both returns and risks
Gas Costs and Efficiency
Typical transaction costs:
Supply: ~$0.15-0.25
Withdraw: ~$0.20-0.30
Claim rewards: ~$0.10-0.15
Gas costs vary by network and current conditions, BSC typically lowest
Gas Optimization Tips
Batch Operations: Process operations in batches when possible
Network Selection: Prioritize low-cost networks like BSC
Timing Selection: Supply during periods of low network activity
Scale Consideration: Consider position size vs. gas cost ratio
Important Considerations
No Minimum Supply Requirement
Any Amount: Supply any quantity, no minimum limits
Cost Consideration: Small supplies should consider gas costs
Recommended Minimum: Suggest starting with at least 100 USDT
No Lock-up Period
Withdraw Anytime: Withdraw at any time (subject to available liquidity)
No Withdrawal Fees: No withdrawal fees or penalties
Instant Settlement: Withdrawals settle immediately
Liquidity Availability
Withdrawal Dependency: Withdrawals depend on unborrowed liquidity
High Utilization Impact: High utilization may temporarily limit withdrawals
Rate Incentives: Rising rates incentivize providing more liquidity
Yield Optimization Tips
Timing Strategies
Before Earnings Seasons: Position early in popular tokenized stocks
Market Volatility Periods: High volatility brings high borrowing demand
Holiday Periods: DeFi active when traditional markets are closed
Before Major News: Before major announcements, product launches
Asset Rotation
Dynamic Adjustment: Adjust supply portfolio based on market hotspots
Seasonal Strategies: Focus on different sectors in different quarters
Event-Driven: Adjust positions based on company events
Rate Tracking: Monitor rate change trends across assets
Risk Factors
Smart Contract Risk
Audited but Non-Zero Risk: Smart contracts are audited but still have potential risks
Only Supply What You Can Afford to Lose: Follow basic risk management principles
Review Security Documentation: Understand detailed security measures
Interest Rate Variability
Rates Change with Markets: No fixed or guaranteed returns
Regular Monitoring: Regularly check rate changes
Market Cyclicality: Understand cyclical nature of rate changes
Liquidation Risk (When Borrowing)
Supplied Assets as Collateral May Be Liquidated: Important when borrowing
Monitor Health Factor: Regularly check account health
Understand Liquidation Mechanics: Understand liquidation process and triggers
Tokenized Stock Specific Risks
Price Volatility: Stock token price volatility may affect collateral value
Market Hours: Price updates follow US stock trading hours
Company Risk: Impact of individual company fundamental changes
Regulatory Risk: Potential impact of related regulatory policy changes
Practical Tools and Monitoring
Yield Tracking
Real-time APY Display: In-app real-time display of current yields
Historical Yield Charts: View historical yield trends
Yield Calculator: Estimate expected returns for different investment amounts
Compound Calculation: Show compound growth effects
Risk Monitoring
Health Factor Alerts: Risk alerts when borrowing
Rate Change Notifications: Alerts for significant rate changes
Market Movement Alerts: Alerts for significant stock price volatility
Liquidity Monitoring: Display liquidity status across markets
Next Steps
Ready to supply? See How to Supply Assets
Understanding interest? Review Interest Rate Model section above
Want to borrow too? Check Borrowing Guide
Questions? Visit our FAQ
Interest rates are variable and subject to change based on market conditions. Past performance does not guarantee future results.
💡 Professional Tip: Regularly reassess your supply strategy and adjust allocations based on market changes and personal goals.
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