> For the complete documentation index, see [llms.txt](https://docs.bima.money/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bima.money/yield-with-usbd-+-susbd.md).

# 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.