> For the complete documentation index, see [llms.txt](https://docs.takadao.io/the-lifedao-kb/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.takadao.io/the-lifedao-kb/products-and-benefits/savings-vault.md).

# Savings Vault

The Savings Vault is a simple way to keep your digital dollars working. It is self-custodial, so you keep control of your wallet and private keys.

It earns from trading fees, not interest (*riba*).

### Key details

* Deposits use USDC.
* Target yield is 3% to 6% a year.
* There is no lockup.

### How it works

* Deposit USDC during the current phase.
* Trading fees generate yield. The target annual yield is approximately 3% to 6%.
* A Mudarabah profit-sharing structure distributes net yield between members and the protocol.
* Withdraw USDC anytime. Network and pool liquidity conditions apply.

{% hint style="info" %}
Yield varies with trading activity. The 3% to 6% target annual yield is an estimate, not a promise.
{% endhint %}

### Key risks

* USDC or USDT can lose their one-dollar value.
* A problem with the vault or liquidity pool could lead to loss.
* Your funds are not covered by FDIC or other government deposit insurance.
* Market stress can slow withdrawals. Emergency procedures can delay some vault operations.

### Learn more

Read the [Savings Vault FAQs](/the-lifedao-kb/products-and-benefits/savings-vault/faqs.md), [whitepaper](/the-lifedao-kb/products-and-benefits/savings-vault/whitepaper.md), [Shariah paper](/the-lifedao-kb/products-and-benefits/savings-vault/shariah-paper.md), and [yield and risk disclosures](/the-lifedao-kb/products-and-benefits/savings-vault/bold-fine-print/yield-and-risk.md).