Your earnings are automatically credited to the same wallet address that you deposited from. The rewards accumulate in your original deposit and compound automatically - no additional transactions needed.

Earnings are calculated and added to your balance continuously (every block). Most protocols update rewards every few minutes to hours. You can see your growing balance in real-time through the protocol's interface.

Withdrawal fees are just the blockchain gas costs (typically under $1 on Ethereum, a few cents on Polygon/Base). The DeFi protocols themselves don't charge withdrawal fees, but always check each protocol's terms before depositing.

Most lending protocols (like Aave) have no minimum period - you can withdraw anytime. However, liquidity pools might have temporary withdrawal delays during high demand. Always check the specific protocol's terms.

APY rates fluctuate based on supply and demand. If more people deposit, rates may decrease. If demand for borrowing increases, rates go up. Your earnings adjust to the new rate immediately - there's no fixed rate guarantee.

All listed protocols are audited and battle-tested with billions in TVL. However, smart contract risks exist. We show "Low Risk" for established protocols like Aave, "Medium Risk" for newer ones. Use Mitilena Wallet's security features for additional protection.

For stablecoin lending (USDT/USDC), the risk is very low compared to other investments. Major protocols like Aave have been operating safely for years with billions in deposits. "No IL Risk" means no impermanent loss. These are established, audited protocols used by institutions worldwide. Start with any amount you're comfortable with.