> For the complete documentation index, see [llms.txt](https://prodigyfi.gitbook.io/structured-yields/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://prodigyfi.gitbook.io/structured-yields/user-guide/simple-earn/how-to-use-simple-earn.md).

# How To Use Simple Earn

{% stepper %}
{% step %}

### Step 1: Choose Your Token

<figure><img src="/files/RPHN76sUpTshGbmRWao7" alt=""><figcaption></figcaption></figure>

Go to **Simple Earn** in the top navigation. Select the token you want to deposit:

* USDC — APY range 2% to 60%
* ETH — APY range 2% to 50%
  {% endstep %}

{% step %}

### Step 2: Pick Your Tier

<figure><img src="/files/7YYRmAqkmUkFfZ0VkqNt" alt=""><figcaption></figcaption></figure>

After selecting your token, choose a tier based on your APY preference and how comfortable you are with your token being converted at expiry:

| Tier         | APY                     | Text                                                               |
| ------------ | ----------------------- | ------------------------------------------------------------------ |
| Conservative | Lower (e.g., 3.1%)      | Higher chance you keep your original token at expiry               |
| Balanced     | Mid-range (e.g., 16.1%) | Moderate chance of conversion at expiry                            |
| High Yield   | Highest (e.g., 60%)     | More likely your token is converted into the other asset at expiry |

Before you commit, your two possible payoff scenarios are shown upfront, so you always know what to expect.

{% hint style="info" icon="lightbulb" %}
**Not sure which tier to pick?** Start with Conservative. You earn guaranteed yield either way, the only difference is which token you hold at expiry.
{% endhint %}
{% endstep %}

{% step %}

### Step 3: Enter Your Amount and Confirm

<figure><img src="/files/TstHOnUtIGrACB0Uvv4y" alt=""><figcaption></figcaption></figure>

Type in how much you want to deposit. Your exact payoff updates in real time based on your tier and amount.

Hit **Earn Now** to confirm. Your position is live on-chain, no further action needed until expiry.
{% endstep %}
{% endstepper %}

### **What Happens at Expiry?**

At the date and time shown on your tier card, one of two things happens:

* **If the price reached your target:** Your token is converted at that price, and you receive the other asset plus yield.
* **If the price didn't reach your target:** Your original token is returned, plus yield in the same token.

Either way, you earn yield. Track your active positions under [Portfolio](https://mainnet-base.prodigy.fi/portfolio).

{% hint style="info" icon="book" %}
Want to understand the mechanics behind this? See [How Prodigy.Fi Works](/structured-yields/how-prodigy.fi-works/yields-on-prodigy.fi.md).
{% endhint %}


---

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