> ## Documentation Index
> Fetch the complete documentation index at: https://kamino.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Learn how to use Earn Vaults in the Kamino app, including depositing tokens, tracking yield, and withdrawing

Earn Vaults let you earn optimized yield on a single token without managing lending markets yourself. Instead of choosing which lending markets to use, you deposit into a vault and the vault handles the allocation for you. The vault's capital is managed across Kamino lending reserves, and your position earns from that blended exposure.

<img src="https://mintcdn.com/kamino-3d73a151/iVKuzWgEeR0IuJ9z/images/kamino-earn-homepage.png?fit=max&auto=format&n=iVKuzWgEeR0IuJ9z&q=85&s=c64fa83a880446816cec457c2ca8e478" alt="Kamino Earn homepage" width="3024" height="2634" data-path="images/kamino-earn-homepage.png" />

## Why use Earn Vaults?

Earn Vaults are designed for users who want a more hands-off way to earn optimized yield.

They may be useful if you want to:

* Deposit a single token and start earning yield
* Avoid choosing and managing individual lending markets yourself
* Get exposure to a managed allocation across multiple reserves
* Earn yield that compounds automatically over time
* Benefit from automatic optimization and rebalancing across Kamino markets

## Guides

<CardGroup cols={3}>
  <Card title="Key Concepts" icon="lightbulb" href="/learn/lend/key-concepts">
    What you need to know before depositing.
  </Card>

  <Card title="Supplying Assets" icon="arrow-right-to-bracket" href="/learn/lend/supplying-assets">
    Deposit into an Earn Vault step by step.
  </Card>

  <Card title="Withdrawing Assets" icon="arrow-right-from-bracket" href="/learn/lend/withdrawing-assets">
    Redeem your vault shares and withdraw tokens.
  </Card>

  <Card title="Earning Yield" icon="chart-line" href="/learn/lend/earning-yield">
    Track your position and understand how yield accrues.
  </Card>
</CardGroup>

## Reference

<CardGroup cols={3}>
  <Card title="Interest Rates" icon="chart-mixed" href="/learn/lend/interest-rates">
    How vault APY is determined and why rates change.
  </Card>

  <Card title="Risks" icon="triangle-exclamation" href="/learn/lend/risks">
    Allocation risk, yield variability, and liquidity constraints.
  </Card>
</CardGroup>
