# How to Supply

## Quick Start Guide

Supplying assets to Everst is simple and takes just a few clicks. Here's everything you need to know to start earning interest on your tokenized stocks and USDT.

## Before You Begin

### Requirements

* ✅ Web3 wallet (MetaMask, Trust Wallet, etc.)
* ✅ Native tokens for gas fees (BNB, etc.)
* ✅ Assets to supply (USDT, AAPL, TSLA, NVDA, SPY, etc.)
* ✅ Connected to a supported network

## Step-by-Step Guide

### Step 1: Connect Your Wallet

1. Go to [app.blockstreet.money](https://app.blockstreet.money)
2. Click **"Connect Wallet"** in the top right
3. Select your wallet provider
4. Approve the connection request
5. Verify you're on the correct network

### Step 2: Choose an Asset to Supply

1. Navigate to the **"Markets"** page
2. Review available assets and their APYs
3. Click **"Supply"** next to your chosen asset

**What to look for:**

* **Supply APY**: Your expected annual return (USDT: 3-12%, AAPL: 4-15%, TSLA: 6-20%)
* **Total Supplied**: Market size and liquidity
* **Utilization Rate**: How much is being borrowed
* **Risk Level**: Asset volatility classification

**Recommended for beginners:**

* **USDT**: Stable, low-risk option with 3-8% APY
* **SPY**: Diversified ETF with moderate risk
* **AAPL**: Blue-chip stock with balanced risk/return

### Step 3: Enter Supply Amount

1. Enter the amount you want to supply
2. Or click **"Max"** to supply your full balance
3. Review the transaction details:
   * Amount supplying
   * Current APY
   * BTokens you'll receive (bUSDT, bAAPL, bTSLA, etc.)
   * Estimated annual earnings

### Step 4: Approve Token Spending

**First time only** for each asset:

1. Click **"Approve"**
2. Confirm in your wallet
3. Wait for approval confirmation
4. Gas cost: typically $0.10-0.20

### Step 5: Complete the Supply

1. Click **"Supply"**
2. Review the transaction in your wallet:
   * Amount being supplied
   * Gas fee (varies by network)
3. Click **"Confirm"**
4. Wait for confirmation (\~3-10 seconds)

### Step 6: Receive Your BTokens

Once confirmed, you'll receive BTokens:

* **USDT → bUSDT**
* **AAPL → bAAPL**
* **TSLA → bTSLA**
* **NVDA → bNVDA**
* **SPY → bSPY**

These tokens represent your supplied position and automatically earn interest through exchange rate appreciation.

## Understanding Your Position

### Dashboard Overview

After supplying, your dashboard shows:

* **Supply Balance**: Current value including accrued interest
* **APY**: Current interest rate (updates dynamically)
* **Earned**: Interest accumulated since supply
* **Collateral**: Available for borrowing if enabled
* **Health Factor**: If you're also borrowing

### Tracking Interest

Interest accrues in real-time through BToken exchange rate growth:

**Example**: Supply 1,000 USDT at 5% APY

* Receive \~50,000 bUSDT tokens
* After 1 year: 50,000 bUSDT = 1,050 USDT
* Monthly earnings: \~4.17 USDT

**Stock Token Example**: Supply $5,000 AAPL at 8% APY + 10% stock appreciation

* Interest yield: $400 annually
* Stock appreciation: $500
* Total return: $900 (18%)

### Using Supplied Assets as Collateral

Supplied assets automatically serve as collateral:

* **USDT**: 85% collateral factor
* **Blue-chip stocks (AAPL, MSFT)**: 75% collateral factor
* **Growth stocks (TSLA, NVDA)**: 70% collateral factor
* **ETFs (SPY, QQQ)**: 75% collateral factor

## Supply Strategies

### Strategy 1: Stable Income (Beginner Friendly)

**Risk**: Low | **Return**: 3-8% APY

Supply USDT for predictable yields:

* No price volatility risk
* Highest collateral factor (85%)
* Ideal for DeFi beginners
* Perfect base for diversified portfolio

**Recommended allocation**: 60-80% of portfolio

### Strategy 2: Stock Exposure + Yield

**Risk**: Medium | **Return**: 5-15% APY + stock appreciation

Supply blue-chip tokenized stocks:

* Maintain long exposure to favorite stocks
* Earn lending interest on top of price appreciation
* Use as collateral for additional investments
* 24/7 liquidity vs. traditional stock markets

**Best assets**: AAPL, MSFT, GOOGL

### Strategy 3: High-Growth Maximization

**Risk**: Medium-High | **Return**: 8-25% APY + volatility upside

Supply high-growth tokenized stocks:

* Target highest APY opportunities
* Capitalize on market volatility
* Time entries around earnings/news
* Requires active monitoring

**Best assets**: TSLA, NVDA, META

### Strategy 4: Diversified Portfolio

**Risk**: Low-Medium | **Return**: Balanced

Spread across multiple asset types:

* 50% USDT (stability)
* 30% Blue-chip stocks (growth)
* 20% ETFs (diversification)

## Advanced Features

### Portfolio Rebalancing

Monitor and adjust based on:

* **APY changes**: Move to higher-yielding assets
* **Market events**: Increase allocation before earnings
* **Volatility periods**: Higher demand = higher rates
* **Seasonal patterns**: Different sectors perform differently

### Compound Strategies

Maximize returns through:

* **Automatic reinvestment**: Interest compounds continuously
* **Cross-collateralization**: Use multiple assets as collateral
* **Yield farming**: Borrow at low rates, supply at higher rates
* **Event-driven**: Position before major announcements

## Managing Your Supply

### Viewing Your Positions

1. Go to **"Dashboard"**
2. See all supplied assets with current values
3. Track daily/monthly interest earned
4. Monitor APY changes across assets
5. View collateral utilization if borrowing

### Adding More Supply

1. Click **"Supply"** on the existing asset
2. Enter additional amount
3. Confirm transaction
4. Position updates immediately

### Optimizing Gas Costs

* **Batch operations**: Combine multiple supplies
* **Network timing**: Supply during low activity periods
* **Amount consideration**: Ensure supply > gas costs
* **Network selection**: BSC typically lowest costs

## Important Considerations

### Stock Market Timing

* **Market hours**: Stock prices update during US trading hours
* **After-hours**: Limited price movement on weekends/holidays
* **Earnings seasons**: Increased borrowing demand = higher APY
* **News events**: Major announcements can spike rates

### Interest Rate Dynamics

* **Market-driven**: Rates change based on borrowing demand
* **No guarantees**: APY is variable and can fluctuate
* **Seasonal patterns**: Higher activity during earnings seasons
* **Event sensitivity**: Major news can temporarily spike rates

### Liquidity Considerations

* **Utilization limits**: High borrowing may limit withdrawals
* **Rate incentives**: Higher rates attract more suppliers
* **Market depth**: Popular assets generally have better liquidity

## Common Issues and Solutions

### "Insufficient Balance"

* Check you have enough of the asset
* Account for gas fees (keep \~$5 worth of native tokens)
* Verify you're on correct network

### "Transaction Failed"

* Network congestion: Try higher gas price
* Slippage: Large orders may need adjustment
* Wallet issues: Refresh and reconnect

### "High Gas Fees"

* Use BSC network for lower costs
* Wait for off-peak hours
* Batch multiple operations together

### "Asset Not Found"

* Ensure asset is listed on current network
* Check if token address is correct
* Verify market is active

## Tips for Success

### For Beginners

1. **Start small**: Begin with 100-500 USDT
2. **Use stablecoins first**: Learn with low-risk USDT
3. **Monitor daily**: Watch your first position grow
4. **Understand BTokens**: Learn how receipt tokens work
5. **Read documentation**: Understand risks before scaling

### For Advanced Users

1. **Monitor utilization**: Target 60-80% for optimal APY
2. **Event calendar**: Position before earnings releases
3. **Cross-platform comparison**: Check rates across DeFi
4. **Recursive strategies**: Use with caution and monitoring
5. **Risk management**: Diversify across asset types

### Pro Tips

* **Dollar-cost average**: Spread supplies over time
* **Rebalance quarterly**: Adjust based on performance
* **Set alerts**: Monitor APY changes
* **Tax planning**: Consider jurisdiction implications
* **Exit strategy**: Plan withdrawal timing

## Next Steps

* **Ready to withdraw?** See [Withdrawing Assets](https://block-street.gitbook.io/docs/user-guides/supplying/withdrawing)
* **Want to borrow?** Check [How to Borrow](https://block-street.gitbook.io/docs/user-guides/borrowing/how-to-borrow)
* **Learn more about BTokens** Review [Supply Guide](https://block-street.gitbook.io/docs/user-guides/supplying)
* **Understand risks** Review [Risk Management](https://block-street.gitbook.io/docs/risk-and-safety/risk-and-safety)

## Need Help?

* **Community Discord**: Real-time support and discussions
* **Documentation**: Comprehensive guides and tutorials
* **FAQ**: [Frequently Asked Questions](https://github.com/BlockStreet-finance/BlockStreet-gitbook/blob/main/everst/resources/faq.md)
* **Email Support**: <support@blockstreet.money>

## Security Reminders

* **Never share private keys**: Everst team will never ask
* **Verify URLs**: Always check you're on official website
* **Start small**: Test with small amounts first
* **Keep backups**: Secure your wallet recovery phrases
* **Stay informed**: Follow official channels for updates

***

*Remember: Interest rates are variable and subject to market conditions. Tokenized stocks carry additional risks related to underlying asset volatility. Always understand the risks before supplying.*

*💡 Success Tip: The most successful users start conservative with USDT, learn the platform, then gradually diversify into tokenized stocks based on their market knowledge and risk tolerance.*