> ## Documentation Index
> Fetch the complete documentation index at: https://docs.superearn.io/llms.txt
> Use this file to discover all available pages before exploring further.

# FAQ

> Common questions about SuperEarn, yield, safety, and withdrawals.

<AccordionGroup>
  <Accordion title="What is SuperEarn?">
    SuperEarn is a one-tap stablecoin yield product. Deposit USDT and receive **EarnUSDT** — a yield-bearing token whose value increases over time.

    * Non-custodial — your wallet keeps control of your funds
    * Diversified across audited, risk-assessed strategies
    * Fully on-chain and verifiable
    * Withdrawable on demand (with a short cooldown)
  </Accordion>

  <Accordion title="Does SuperEarn have access to my funds?">
    No. SuperEarn never custodies your funds. You connect with your existing wallet (MetaMask, Rabby, WalletConnect) or an embedded wallet provisioned through Privy — in every case, only your wallet can sign transactions or move assets.
  </Accordion>

  <Accordion title="Is SuperEarn safe?">
    SuperEarn is designed with safety as the top priority. Your assets stay non-custodial — only your wallet can move them. Strategies are executed through audited smart contracts, run with strict risk controls, and reconciled across chains so balances never drift. All vault activity is verifiable on-chain. For a full breakdown, see *What risks exist?* below and the [Risk page](https://docs.superearn.io/en/risks/risks).
  </Accordion>

  <Accordion title="What chains is SuperEarn available on?">
    EarnUSDT is issued on **Kaia**, where the main Super Vault and Cooldown Vault live. Through **Runespear**, Super Vault also deploys capital into multichain strategies on **Ethereum** (and additional chains over time) via OriginVault and RemoteVaults. Cross-chain accounting is reconciled deterministically so your EarnUSDT share price reflects positions across all chains.
  </Accordion>

  <Accordion title="How does SuperEarn generate yield?">
    SuperEarn allocates USDT into a curated set of on-chain strategies defined in the [Opportunity Set](https://docs.superearn.io/en/protocol/opportunity-set). Today this includes:

    * **Morpho Vaults** — curated by Gauntlet (e.g., USDT Frontier V2, USDT Prime V2, Vault Bridge USDT)
    * **Morpho Market Supply** — supplied only against risk-assessed collateral
    * **Pendle PT** — fixed-yield exposure via Principal Tokens on risk-assessed assets
    * **Tokenized Real-World Assets (RWA)** — e.g., Yield8 by Kaia Investment Partners

    The Opportunity Set expands continuously as new strategies pass risk review. Allocations follow the [Portfolio Allocation Policy](https://docs.superearn.io/en/protocol/portfolio-allocation-policy).
  </Accordion>

  <Accordion title="How is yield earned and tracked?">
    Your **EarnUSDT balance stays constant; the price of each EarnUSDT in USDT increases** as the underlying strategies earn yield. APY varies and is not guaranteed — it reflects strategy performance, liquidity, allocation, and market rates. Yield accrues continuously and is reflected in EarnUSDT's share price as harvests are recognized. You can track real-time earnings, share price, and historical APY in your Portfolio dashboard.
  </Accordion>

  <Accordion title="Are there any fees?">
    Protocol-level **management and performance fees are currently set to 0%**. Individual strategies may apply their own optional strategist fee, which is enforced on-chain and disclosed in the strategy contract. Any future change to protocol fees would be governed transparently and announced in advance.
  </Accordion>

  <Accordion title="Can I withdraw at any time?">
    Yes. Withdrawals are a two-step flow: **request** at any time, then a short cooldown period applies (typically under \~24 hours) while the underlying positions are unwound safely. After the cooldown, your withdrawal is processed and credited automatically — no separate claim transaction is required. Real-time withdrawal status is visible in your Portfolio.
  </Accordion>

  <Accordion title="What risks exist when using SuperEarn?">
    Risks include smart contract vulnerabilities, counterparty risk, protocol failures, liquidity delays, and cross-chain messaging delays. SuperEarn mitigates risk through:

    * Rigorous due diligence
    * External audits
    * Conservative position sizing
    * Real-time health checks
    * Multi-stage circuit breakers

    Still, no system can remove risk entirely. Refer to [the Risk page](https://docs.superearn.io/en/risks/risks) for details.
  </Accordion>

  <Accordion title="How does SuperEarn handle cross-chain operations safely?">
    Cross-chain transfers go through **Chainlink CCIP** and are reconciled by **Runespear**, SuperEarn's accounting layer. Every transfer and state update is validated before being applied, so balances stay consistent across chains. See [Runespear: Multichain safety design](https://docs.superearn.io/en/protocol/runespear) for the technical breakdown.
  </Accordion>

  <Accordion title="Can developers integrate SuperEarn?">
    Yes. Developers can:

    * Integrate EarnUSDT as a yield-bearing collateral or savings primitive
    * Read vault state and APY data on-chain

    See [Integrate EarnUSDT](https://docs.superearn.io/en/developers/integrate-earn-usdt) for the full developer guide.
  </Accordion>
</AccordionGroup>