# Investment Process

Lenders can connect their white-listed [Supported Digital Asset Wallet](/welcome-to-opentrade/supported-digital-wallets.md) and lend stablecoins into one or more Treasury Management smart-contract vault(s). 

In return, the Lender will receive [vault tokens](/welcome-to-opentrade/blockchain-protocol.md#erc-4626) at the current exchange rate.

Vault tokens are issued to the Lender's whitelisted wallet. It is the sole responsibility of the Lender to ensure proper security and custody of the vault tokens it's issued. 

{% hint style="info" %}
Vault tokens are currently non-transferable and can only be issued to and redeemed by white-listed wallets that have undergone [onboarding](/onboarding.md).  
{% endhint %}

## User Guide: How to Make an Investment

{% embed url="<https://scribehow.com/viewer/Making_an_Investment__AMgSqYXATQudar6h3FPfxw>" %}

{% hint style="warning" %}
Please approve both the Spending Cap and Deposit transactions and wait for them to confirm on-chain before initiating another investment. If you start multiple concurrent investments without allowing them to complete, it can cause a transaction to fail because the Spending Cap approvals are not cumulative.&#x20;
{% endhint %}

## Video Demonstration

View the video to see how to lend USDC into a Loan Vault. The process is the same for both Fixed Term and Flexible Term Vaults.&#x20;

{% embed url="<https://youtu.be/qAtvKJIdF_w>" %}


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