# Fixing Yield

### Overview

Instead of keeping your USDT, TON, and other tokens idle in your wallet, you can receive additional returns on them through FIVA's fixed yield strategy.

### How Fixed Yield Works

To receive fixed yield, you need to buy PT (Principal Tokens). This can be done from:

* **Principal tokens** (USDT, TON) - tokens that are deposited in other protocols to generate yield
* **Underlying tokens** (tsTON, tsUSDe) - tokens issued by other protocols that generate yield

In the FIVA interface, you can see the fixed rate you will receive. This rate is guaranteed at maturity (the final day of the market) and shown in **principal token (USDT, TON)**.

### Why PT Yields Are Often Higher

PT tokens often provide higher yields than depositing directly in underlying protocols because of how FIVA's market works.

Other people want to farm points and airdrops, so they buy the volatile yield part (YT tokens) from FIVA's yield market. When they do this, they're willing to pay extra because they expect these points and airdrops to be valuable.

Since they take on the risk and potential upside, you get a better guaranteed return on your PT tokens. The FIVA rate reflects what the market thinks the total return will be - including points and future airdrops - but you receive it as a fixed yield without any risk.

### Strategy Execution

There are two ways to execute the fixed yield strategy:

#### Hold to Maturity (Recommended)

Buy PT tokens and hold until market end date (maturity). This provides:

* Guaranteed fixed returns as shown in the UI
* No need for active management
* Clear redemption process at maturity

#### Early Exit

If you need to exit before maturity, your actual return depends on the current PT market price since PT tokens fluctuate in value. Check the current PT price before selling to see if you're satisfied with the return.

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### Summary

Fixed yield strategy is simple: buy PT tokens to lock in guaranteed returns that are often higher than direct deposits. Other users pay premium for points, giving you better fixed rates. Just buy, hold to maturity, and redeem - no active management needed.


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