# Cross-Chain USD Farming Torch Finance creates tgUSD, a digital dollar that earns higher returns by accessing the best opportunities across multiple blockchain networks. **How it works:** * Different blockchains offer different interest rates for the same USDT * For example, lending USDT on Ethereum might pay 7.5% while TON only pays 3.5% * Torch Finance manage and moves funds to wherever rates are highest across chains like Ethereum, Solana, and others * Your money benefits from cross-chain optimization without you managing multiple networks **Why this creates returns:** * Most people can't easily move money between different blockchains due to complexity and high fees * Torch Finance has the solution to do this efficiently * They capture the yield differences between chains and share them with users * This is like earning interest in the country with the highest bank rates, while someone else handles all the international transfers **Through FIVA:** You get access to these cross-chain optimized returns through a simple fixed-rate deposit, without needing to understand different blockchains or manage complex transfers yourself. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.thefiva.com/fiva-basics/additional-help/where-your-money-goes/cross-chain-usd-farming.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.