> For the complete documentation index, see [llms.txt](https://docs.osero.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.osero.org/osero-app/safety-and-resources/faq.md).
# FAQ
## General
What is Osero App?
Osero App is the consumer savings experience for anyone who wants to earn on stablecoins without the complexity of DeFi. It keeps saving simple and self-serve: deposit any stablecoin from any chain, start earning yield, and withdraw anytime you want. See [What Is Osero](/osero-app/osero-app/what-is-osero-app.md) for a short overview.
What asset do I receive?
The final savings position is sUSDS, the yield-bearing savings form of USDS. It earns the Sky Savings Rate, which can change over time, and remains subject to the risks associated with USDS and Sky Protocol. Before you deposit, Osero shows the current route and expected sUSDS output for you to review.
What are USDS and sUSDS?
USDS is a dollar-pegged stablecoin issued by Sky. sUSDS is its yield-bearing savings token. As the Sky Savings Rate accrues, each sUSDS token can represent more USDS over time. For more details on how the two work, see [USDS](/osero-app/sky-foundations/what-are-susds-and-usds.md) and [sUSDS](/osero-app/sky-foundations/what-are-susds-and-usds.md).
Why do I receive fewer sUSDS than the stablecoin I deposit?
sUSDS has a higher value per token than USDC or USDS. For example, if 1 sUSDS represents 1.10 USDS, depositing 1,000 USDC would give you roughly 909 sUSDS before fees or price changes.
Receiving fewer tokens does not mean you are losing value. Each sUSDS represents more USDS, and as the Sky Savings Rate accrues, that amount can increase over time.
## Using Osero App
Which assets and networks can I use?
Osero supports the stablecoins and networks shown in the app. For the full list, see [How Osero App Works](/osero-app/osero-app/how-osero-app-works.md). Supported options may change over time, so check what’s currently available before starting a transaction.
How does a deposit work?
Choose an available input asset and network, enter the amount, and review the route together with the expected sUSDS output. The app then presents the wallet requests needed for the transaction, which you should check before approving. See [How Osero App Works](/osero-app/osero-app/how-osero-app-works.md) for the full deposit path.
Can I withdraw?
You can withdraw when the current app supports a route for your sUSDS position. Before you sign, the app shows the available output, route, fees, and wallet requests. These details can change with network conditions, market liquidity, and the route available at that time.
## USDS, sUSDS & Rate
Where does the rate come from?
The Sky Savings Rate is set through Sky governance. Osero displays the rate used by the savings route, but Osero does not set or control it. See [sUSDS](/osero-app/sky-foundations/what-are-susds-and-usds.md) for an explanation of how the rate relates to the sUSDS share token.
Can the rate change?
Yes. Sky governance can change the rate, so the value shown in the app should not be treated as fixed or as a promise of future returns. Check the current rate and the other transaction details at the time you use the app.
Does Osero manage the USDS peg?
No. The Sky ecosystem governs and operates the mechanisms that support the USDS peg. Osero can present a route that uses Sky infrastructure, but it does not control those mechanisms. Read [Peg Mechanism](/osero-app/sky-foundations/peg-mechanism.md) for more context.
## Security & Risk
Does Osero App use new smart contracts?
Osero App does not add Osero smart contracts that hold the final savings position. The final position is sUSDS on Sky infrastructure. A route may still involve the Osero interface, your wallet, Enso, LI.FI, a network, or a cross-chain path before sUSDS is created, and each of those parts can carry its own risks.
Are the listed audits Osero audits?
No. The listed ChainSecurity and Cantina reviews belong to Sky components such as USDS, sUSDS, and LitePSM. They help explain the Sky infrastructure used by the final position, but they do not audit Osero, every route, or your wallet. See [Security & Sky Audits](/osero-app/safety-and-resources/security-and-audits.md) for the distinction.
Is my principal protected or guaranteed?
No protection or guarantee is promised. The value and usability of a position can be affected by contract, stablecoin, market, liquidity, route, wallet, and network risks. Read [Risks](/osero-app/safety-and-resources/risks.md) and Sky's [User Risk Documentation](https://docs.sky.money/legal/skybase-international/user-risks) before using the app.
What should I check before signing?
Check the input asset, network, route, expected output, fees, and every wallet request. Also confirm that the website and wallet are the ones you intended to use, and rely on the live app details for the action you are preparing. A confirmed blockchain transaction may not be reversible.
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