# Yield with USBD + sUSBD ### A Two-Pronged Approach to Earning BIMA creates a secure, over-collateralized environment where BTC-backed USBD can be leveraged productively, without price volatility or uncertainty. The first feature is its borrow/lend protocol, which allows it to offer a variable lending rate for USBD, transforming USBD into a productive, yield-bearing asset. 1. For lenders, USBD offers consistent, auto-compounding returns. 2. For borrowers, it unlocks capital without selling Bitcoin-backed collateral, ensuring BTC liquidity remains within the ecosystem. The second feature is its stability pool mechanism, ensuring that under-collateralized positions are resolved seamlessly to maintain protocol stability. Depositors in the Stability Pool act as the first line of defense, earning rewards while supporting the system’s overall health. --- # 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.bima.money/yield-with-usbd-+-susbd.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.