# How It Works

#### How do I start saving?

1. **Connect Wallet** → Use MetaMask or any Web3 wallet
2. **Get Test USDC** → Click "Faucet" button to get free test tokens
3. **Choose Goal** → Select Hajj, Umrah, Education, Wedding, Qurban, or General
4. **Deposit** → Send USDC, receive iUSDC shares
5. **Earn** → Your shares grow in value as profits are harvested monthly
6. **Withdraw** → Redeem shares back to USDC anytime

**Try it now:** <https://halal-savings.vercel.app>

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#### What are iUSDC shares?

iUSDC shares are "receipt tokens" that represent your ownership in the vault.

**Example:**

* You deposit 1,000 USDC
* You receive \~1,000 iUSDC shares (at Price Per Share = 1.0)
* After profit harvest, PPS increases to 1.05
* Your 1,000 shares are now worth 1,050 USDC
* You made 50 USDC profit!

Think of it like stock in a company—as the company grows, your stock value increases.

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#### How do I earn profit?

Every month, MinaPool "harvests" profits from investments:

* **DeFi strategies** (Ethereum staking, liquidity provision)
* **RWA strategies** (sukuk coupons, rental income, gold appreciation)

Profits are distributed by increasing the **Price Per Share (PPS)**.

Your share value grows automatically—no need to claim or compound manually.

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#### What is Price Per Share (PPS)?

PPS = Total Vault Assets ÷ Total Shares

**Example:**

* Vault has 1,000,000 USDC
* 1,000,000 iUSDC shares exist
* PPS = 1,000,000 ÷ 1,000,000 = **1.0**

After harvest with 50,000 USDC profit:

* Vault now has 1,050,000 USDC
* Still 1,000,000 shares
* PPS = 1,050,000 ÷ 1,000,000 = **1.05**

Your shares automatically increased 5% in value!

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#### How do I withdraw my money?

**Anytime you want!** No lock periods, no penalties.

1. Go to "Withdraw" tab
2. Enter amount or click "Max"
3. Approve transaction
4. Receive USDC in your wallet in \~5 seconds

You can also withdraw directly from the goal cards on your dashboard.

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#### What's the expected return?

**We don't guarantee any fixed APY** (that would be riba).

Returns depend on:

* How well our investments perform
* Market conditions
* Asset prices

**Historical estimates** (based on similar strategies):

* Sukuk: 5-8% annual
* Property tokens: 7-12% annual
* Gold: 3-7% annual
* Ethereum staking: 3-5% annual

**Your actual returns may be higher or lower.**

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