> For the complete documentation index, see [llms.txt](https://whitepaper.xbank247.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://whitepaper.xbank247.com/xbank-services/x-savings.md).

# 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.