# PT Risks Before diving into the specific risks, it's important to understand what Principal Tokens (PTs) represent within the FIVA protocol. When a user deposits a yield-bearing asset into FIVA, that asset is tokenized into two separate components: 1. A Principal Token (PT) that represents the right to receive the original principal amount at maturity 2. A Yield Token (YT) that represents the right to receive all yield generated by the asset until maturity Principal Tokens are designed to provide more predictability than the underlying yield-bearing asset, as their value should theoretically converge to a predetermined amount (the face value) at the maturity date. This property makes PTs similar in some ways to zero-coupon bonds in traditional finance, with their value generally becoming less volatile as the maturity date approaches. --- # 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/security/risks/pt-risks.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.