> For the complete documentation index, see [llms.txt](https://docs.jewelswap.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.jewelswap.io/multiversx/lending-for-farms/ji-tokenomics.md).

# JI-Tokenomics

## Interest earned by JITokens

* Each lending pool earns interest. The interest is earned by just holding JITokens.
* The number of JITokens in your wallet remains the same while JITokens accumulate interest with their exchange rate. The JIToken value increase over time which becomes exchangeable for a larger amount of its underlying asset.
  * Example:
    * You deposit 1.1 EGLD and receive 1 JIEGLD. (Exchange rate: 1 JIEGLD = 1.1 EGLD)
    * When withdrawing your 1 JIEGLD a few weeks later, you will be able to withdraw more then the 1.1 EGLD you deposited (new exchange rate: 1 JIEGLD = 1.15 EGLD)
* Each lending pool utilisation rate will reflect the extent of appreciation of the corresponding JITokens.
* Due to accumulation of interest, the longer the user holds JITokens, the higher the value of the tokens.
* The exchange rates are displayed on the Lend page under the individual JITokens.


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