# Why Deposits Require Two Steps

Some assets require two transactions when depositing with FIVA. Here's why this happens and what it means for you.

### The Simple Explanation

Many platforms that FIVA works with accept standard TON or USDT and give you back a return-generating token (like tsUSDe, tsTON or stgUSDT).

These tokens follow the price of your original asset plus accumulated returns. When you get a return-generating token, you accept the risks of that issuing platform.

Then this return-generating token goes to FIVA - that's the second transaction that creates your fixed deposit.

### What Happens in Each Step

**Step 1: Get a return-generating token**

* You send TON or USDT to the earning platform
* You receive back a token that generates returns
* Examples: tsUSDe, stgUSDT, tsTON, and others
* This is a normal blockchain exchange that may include small fees (slippage)

**Step 2: Deposit into FIVA**

* Your return-generating token goes to FIVA
* You choose your return date and fixed return rate
* After confirmation, your deposit is created and works until the chosen date

### Why FIVA Handles This for You

To give you simple and stable returns, FIVA takes on all the technical complexity:

* Converting to return-generating tokens
* Access to higher-return platforms
* Selling volatile components to traders
* Packaging everything into one clear deposit

### Your Control

Before any deposit, you see exactly which platform will receive your funds. If you don't trust that platform, simply don't proceed with the deposit.

You choose your risk level - FIVA just handles the technical execution.

### Important to Remember

Whether your deposit takes one step or two, you're accepting risks from the specific provider platform where your money earns returns, plus any additional risks from token conversions.

For complete information about these risks and how FIVA generates returns, see our[ risk documentation](/fiva-basics/understanding-fiva/important-risks-to-know.md) and [how FIVA works](/fiva-basics/understanding-fiva/where-earnings-come-from.md) articles.


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