# Overview

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**Disclaimer:** This information is for educational purposes only and is not financial advice. Always do your own research before making any investment decisions. DeFi protocols involve risks including but not limited to smart contract risks, market risks, and potential loss of funds.
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FIVA offers 4 main ways to optimize your returns:

### 1. Get Fixed Returns

**What**: Earn guaranteed returns on your TON, USDT, or USDe\
**How**: Buy PT tokens to lock in fixed rates\
**Example**: Lock in 12% APR for 6 months, regardless of market changes\
**Best for**: Users wanting predictable income

### 2. Farm Points Faster

**What**: Get 100x more efficient at farming protocol points\
**How**: Buy YT tokens instead of locking full capital\
**Example**: Farm 1,000 EVAA points/day with 10 USDT instead of 1,000 USDT\
**Best for**: Point farmers wanting maximum efficiency

### 3. Trade Yield

**What**: Arbitrage and trade the yield based on your market expectations\
**How**: Buy YT (long yield) or PT (short yield)\
**Example**: Sell YT if you think that markets not priced in yield properly for given maturity\
**Best for**: Advanced traders with good understanding of Yield Tokenization

### 4. Provide Liquidity

**What**: Earn from multiple income streams with no impermanent loss\
**How**: Add liquidity to FIVA pools

**Two options**:

* **Yield on Principal tokens (TON, USDT)**: 3 income streams (underlying yield + fees + FIVA rewards)
* **Yield on Idle yield-bearing assets (tsTON, tsUSDe)**: 2 additional streams (fees + FIVA rewards)

**Best for**: Users wanting enhanced yields on existing assets

***

### Quick Guide

* **Want high fixed returns?** → [Fixed returns (PT)](/app-guide/pt-fixing-yield.md)
* **Want points?** → [Points farming (YT)](/app-guide/yt-100x-faster-points-farming.md)
* **Want to trade?** → [Yield trading (YT/PT)](/fiva-strategies/yield-trading.md)
* **Want returns and points on idle tokens?** → [Provide liquidity (LP)](/app-guide/lp-liquidity-provision.md)


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