# X-Savings Clients will receive continuous earnings (interest) on their deposit, which will be adjusted algorithmically based on market conditions. The deposit value depends on the market supply and demand, as well as APY (Annual Percentage Yield), which changes over time. The XBA Token represents the user's balance. It is received in the wallet for supplying assets to the protocol and functions to accrue value relative to the original asset via the token's interest rate. --- # 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://whitepaper.xbank247.com/xbank-services/x-savings.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.