> For the complete documentation index, see [llms.txt](https://doc.outrun.build/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://doc.outrun.build/en/zh/outstake-shou-yi-ji-chu-she-shi/usr.md).

# USR 储蓄

**USR** 是 uAsset 的储蓄层：把闲置的 uAsset 存进对应金库，换成**份额**，份额价格按该币种的储蓄利率随时间增长；想用时随时取回，利息自动结算。

## 三个金库

| 存入   | 得到份额  | 说明      |
| ---- | ----- | ------- |
| UETH | suETH | ETH 族储蓄 |
| UUSD | suUSD | 美元族储蓄   |
| UBNB | suBNB | BNB 族储蓄 |

份额就是你的存款凭证：持有多少份额、按当前单价能换回多少 uAsset，一目了然。

## 存取操作

* **何时可用**：正常情况下随存随取；uAsset 临时暂停期间存取短暂不可用（详见[常见问题](/en/zh/reference-can-kao/faq.md)）。族利率为 0（未激活）时存取照常，只是份额不增值 —— 当前各币种利率是否激活，以界面显示为准。
* **输入与输出**：存入 uAsset、拿回份额；取回时交回份额、拿回 uAsset 本金加利息。
* **前置余额与授权**：钱包要有足额 uAsset，首次存入前确认扣取授权；取回不需要授权。
* **费用与失败结果**：存取本身不收协议费，只付链上燃料费。利息来自协议注入的预算 —— 预算不足时利息暂停增长（本金与存取不受影响，之前累积的不变），注资后自动恢复。请走存入入口操作：**不要直接转账 uAsset 进金库地址**，直接转入不产生份额，且无法找回。
* **具体步骤**：选金库 → 确认授权（首次）→ 存入并拿到份额 → 随时取回（本金加利息一次到账）。

## 钱安全吗

* **协议方也取不走**：金库没有给协议留提取口 —— 注资只能进不能出。池里的每一枚 uAsset，只属于份额持有人，只能经份额取回。
* **利息有多少钱付多少**：利息不靠增发，靠协议实际注入的预算支付。预算不够时增长自动暂停，暂停期间不产生新的利息；预算到位即恢复。
* **暂停只停操作不停权属**：uAsset 暂停期间存取按钮暂时不可用，你的份额与已累积利息不受影响，恢复后正常存取。

刚换到 uAsset、还没想好去哪？先存 USR 里生息，再去参与[普通创世](/en/zh/memeverse-quan-lian-she-qu-gong-shi-qi-dong-qi/genesis.md)也不迟。


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