> 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/sky-foundations/what-are-susds-and-usds.md).

# What are sUSDS and USDS

## USDS and sUSDS

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

USDS is Sky Protocol’s stablecoin and the base asset used in the Sky Savings Rate.

sUSDS is the yield-bearing savings version of USDS. Each sUSDS token represents a share of USDS deposited into the savings system, and its value in USDS increases as the Sky Savings Rate accrues.

This means you may receive fewer sUSDS tokens than the number of stablecoins you deposit. Each sUSDS token can represent more than one USDS, so receiving fewer tokens does not mean you have lost value.

The Sky Savings Rate is set through Sky governance and can change over time. Osero does not set or control the rate.

For more details on USDS, see the [official Sky USDS documentation](https://developers.skyeco.com/protocol/tokens/usds/).

## How the savings value accrues

Osero routes supported stablecoin deposits into sUSDS on Ethereum. The steps below explain how the underlying Sky mechanism works; they do not guarantee a future rate or result.

<figure><img src="/files/W8HDYr5u9RXLI3toPsf6" alt=""><figcaption></figcaption></figure>

{% stepper %}
{% step %}

#### USDS enters the sUSDS vault

USDS enters Sky’s savings mechanism. Osero can prepare a route from a supported stablecoin to this position.
{% endstep %}

{% step %}

#### The Sky Savings Rate accrues

Sky governance sets the rate, which can change over time. Osero displays the current information but does not set or guarantee it.
{% endstep %}

{% step %}

#### Each sUSDS share can represent more USDS

The sUSDS balance may remain the same while the USDS per share increases. Past values do not promise future results.
{% endstep %}
{% endstepper %}

## Rate and routing

The Sky Savings Rate is set through Sky governance and can change over time. Osero shows the current rate, not a fixed or guaranteed return.

Depending on the input asset and network, Osero may use Enso, LI.FI, or a cross-chain route. Review the route and every wallet request before signing.

For a fuller explanation, see the [Sky Savings Rate](/osero-app/sky-foundations/sky-savings-rate.md) page.

## Risks to consider

sUSDS is subject to risks related to USDS and Sky Protocol, including stablecoin, smart contract, market, and liquidity risks. A route through Osero can also involve wallet, network, cross-chain, and execution risks.

For more information, see the [Official Sky sUSDS Documentation](https://developers.skyeco.com/protocol/tokens/susds/) and the Osero [risk overview](/osero-app/safety-and-resources/risks.md).


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