> For the complete documentation index, see [llms.txt](https://spine-protocol.gitbook.io/spine-finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://spine-protocol.gitbook.io/spine-finance/products/lend-earn.md).

# Lend (Earn)

For lenders: A quick way to get started

### Connect Wallet

1. Visit [spine.finance](https://spine.finance/) 
2. Connect your wallet 
3. Ensure you have the target asset in your wallet

### **Select a Vault**

Choose a vault managed by a curator based on your risk profile. Each vault has different:

* **Supported assets:** USDC, USDT, etc.
* **Risk parameters:** LTV caps, liquidation thresholds
* **Fee structures:** Management fees, performance fees

For example:

| Vault            | Asset | Est. APY | Risk level |
| ---------------- | ----- | -------- | ---------- |
| Morpho Blue      | USDC  | 4.8%     | Moderate   |
| Euler High Yield | USDC  | 5.1%     | Aggressive |
| ETH Vault        | WETH  | 3.2%     | Moderate   |

### Deposit

1. Enter the amount you wish to deposit
2. Review the estimated APY and fees
3. Confirm the transaction
4. Receive vault shares representing your deposit 

### Monitor

1. Track your earnings in the dashboard
2. View your share of the vault's returns
3. Withdraw at any time (subject to vault liquidity)