# What are PT Tokens?

When you make a deposit with FIVA, you might notice a new token appears in your wallet. This is how FIVA's technology works - it's a technical feature of our platform.

### What You See vs What's Actually Happening

**In FIVA app:** You see your deposit amount and return information in simple numbers, just like a bank account.

**In your wallet:** You also get PT tokens that represent your actual deposit.

We keep the app simple and don't show PT tokens in our interface to avoid confusion. But understanding what they are can help you appreciate what you truly own.

### What Are PT Tokens?

PT tokens are like digital receipts for your deposit, except they're much more powerful. They live in your wallet and prove you own your FIVA deposit.

Think of it this way: when you deposit money, FIVA gives you a special token that represents exactly what you'll get back and where your money is working.

### Simple Example

You deposit 100 USDT for 3 months:

**What FIVA app shows:** "100 USDT deposit, returning 103 USDT in 3 months"\
**What appears in your wallet:** 103 PT eUSDT tokens\
**What this means:** You own tokens worth exactly 103 USDT that you can claim in 3 months

The "PT eUSDT" name tells you this deposit is working with EVAA platform.

### Why This Matters

**True ownership:** These tokens are in YOUR wallet, not locked in FIVA's system. You actually own your deposit.

**You can see everything:** The token amount shows exactly what you'll receive back. The token name shows which provider is generating your returns.

**Future possibilities:** Because you own real tokens, you can:

* Trade them in FIVA's DeFi mode
* Use them as collateral for loans (coming soon)
* Pay with them using credit cards (coming soon)
* Use them in other TON applications like EVAA, Affluent, and more (coming soon)

### PT Token Types

| PT Token   | Provider   | What It Represents                                | How Provider Generates Returns                                     |
| ---------- | ---------- | ------------------------------------------------- | ------------------------------------------------------------------ |
| PT eUSDT   | EVAA       | USDT deposit earning through EVAA platform        | Lending platform - people borrow money and pay interest            |
| PT tsTON   | Tonstakers | TON deposit staked through Tonstakers             | Staking service - secures TON blockchain and earns network rewards |
| PT USDe    | Ethena     | USD deposit in Ethena's synthetic dollar protocol | Advanced strategies - basis trading and cross-chain yield farming  |
| PT stUSDe  | Ethena     | Staked USD deposit through Ethena                 | Advanced strategies - basis trading and cross-chain yield farming  |
| PT stgUSD  | Torch      | USD deposit in Torch Finance strategies           | Sophisticated trading strategies and yield optimization            |
| PT USD-SLP | Storm      | USD deposit in Storm's liquidity pools            | Trading platform - traders pay fees for token exchanges            |
| PT TON-SLP | Storm      | TON deposit in Storm's liquidity pools            | Trading platform - traders pay fees for token exchanges            |

### The Bottom Line

PT tokens are your proof of ownership. While FIVA keeps the experience simple in our app, you're actually holding real blockchain tokens that represent your deposit.

This gives you the best of both worlds: simple banking-like experience in the app, plus true ownership and control of your assets on the blockchain.


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