> For the complete documentation index, see [llms.txt](https://fnt.gitbook.io/fnt-whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://fnt.gitbook.io/fnt-whitepaper/features/staking-earning-and-ltv.md).

# Staking, earning and LTV

At FNT, your crypto doesn’t sit idle — it works.

**Staking & Earnings**\
Whether you hold stablecoins or volatile assets, FNT lets you earn passive rewards through a simple, non-custodial staking experience. No complex setup or lock-ins — just steady earnings, transparently tracked and easily managed in your wallet.

🏦 **Instant Loan-to-Value (LTV) (coming soon)**\
Need access to cash without selling your crypto? Use your digital assets as **collateral** to unlock a flexible credit line.

* Spend instantly with your FNT card
* Withdraw as fiat
* Repay when it’s right for you

Instead of liquidating your portfolio, leverage it — just like people use real estate without selling their homes. Your crypto is your capital — FNT helps you put it to use smartly and safely.