# Earn

OISY Wallet makes it easy to grow your digital assets through simple, transparent earning products. You keep full control over your tokens at all times, while choosing how you want them to work for you.

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This page explains the basics:

How earning works, where rewards come from, what happens to your assets, and how you can withdraw anytime.
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### What is Earn?

Earn lets you put your assets to work through a set of vetted opportunities such as staking, yield-bearing tokens, or future borrow/lend integrations. Each option has its own level of risk, reward, and liquidity. You always choose what fits your comfort level.

Today, Earn supports [Harvest Autopilot](https://docs.oisy.com/using-oisy-wallet/earn/harvest-autopilot)

### How 'Earning' Works

While each product is different, most earning strategies follow a simple idea:

1. You deposit (stake) a token.

   Your deposit enters a secure, on-chain smart contract.
2. Your asset begins generating yield.

   Depending on the product, this may come from:

   * rewards distributed by a protocol,
   * returns generated by underlying assets (e.g., gold-backed instruments),
   * lending interest,
   * or future strategies like curated yield portfolios.
3. You can track earnings in OISY.

   Your dashboard shows:

   * your staked balance,
   * your current APY,
   * your active rewards, and
   * your total earning potential.
4. You withdraw whenever you want.

   You maintain full ownership. You can unstake or redeem back to your wallet based on each product’s rules (some are fully flexible; others may have cooldowns).

### Who Owns My Tokens?

**You do. Always.**

OISY never takes custody of your assets.

When you stake:

* your tokens stay inside a smart contract tied to your wallet identity,
* no one else can move or use your funds,
* and the rewards you earn remain linked to your wallet.

Your staked tokens are visible in the Earn tab and in your asset list.

### How Do I Get My Tokens Back?

Every Earn product includes a Withdraw or Unstake option.

* If the product is flexible, you can unstake at any time and receive your tokens immediately.
* If the product has a term or cooldown, this will be clearly displayed before you stake. Once the period ends, you can withdraw your tokens and claim any earned rewards.

OISY will always show:

* your staked balance,
* your available-to-withdraw amount,
* any pending rewards,
* and any waiting period (if applicable).

### Understanding APY

APY (Annual Percentage Yield) represents the estimated yearly return generated by the strategy.

**It is not fixed — it can increase or decrease depending on market conditions and reward schedules.**

OISY displays

* Current APY = what the strategy is earning right now 
* Your active earnings = what your current staked amount is generating
* Your earning potential = what you would earn if you met all eligibility conditions

APY is shown transparently so you can compare opportunities and make informed decisions.

### Is This Safe?

OISY does not create yield strategies itself.

All earning products integrate with trusted third-party protocols through their official smart contracts and documentation.

We highlight:

* what the underlying asset is,
* how rewards are generated,
* and the risks or terms involved.

You remain in control of the decision to participate.

### Understanding Impermanent Loss and Value Risk

Different earning strategies carry different types of risk. Two of the most common are

#### 1. Impermanent Loss (for liquidity pools)

Some products involve depositing two assets into a pool.

If their prices move away from each other, the value of your share in the pool can become lower than if you simply held both assets in your wallet.

This difference is called impermanent loss.

It becomes permanent only if you withdraw while the prices are still far apart.

OISY will always flag when a strategy includes this type of risk.

#### 2. Underlying Asset Value Risk (for single-asset staking)

Some earning options are *single-sided*, meaning you only stake one token.

Here, there is no impermanent loss, but the value of your position still depends on the market price of the token you staked.

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Example

You stake 1 ETH worth $3,000, earning 10% APY.

If ETH later drops to $2,000, your total position value drops with it — even though you earned staking rewards — because the underlying asset is now worth less.
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This is normal for any asset with market volatility.

OISY displays your staked balance and rewards separately so you can clearly see both effects.

### What’s Coming Next

Earn will expand to include:

* curated stablecoin yield strategies,
* borrow/lend integrations,
* cross-chain staking opportunities,
* and more reward-based products.

Each will follow the same principles: transparency, user ownership, and simple UX.