# Vault Tokens ## Vault Tokens Vault Tokens are ERC-20 tokens that are unique to each Loan Vault. Lender's mint vault tokens when loans are made and redeem vault tokens when loans are terminated via a withdrawal. Each vault token is fungible within the loan vault it was issued from, but at this time they are not fungible across vaults. Tokens represent units of ownership in secured loans issued through the Loan Vault. {% hint style="info" %} Tokens confer no legal rights or obligations on either the holder or issuer and are used only as a means of automating the accounting, authentication, and settlement process in a way that is interoperable and composable with Web3 tooling and infrastructure. The legal rights and obligations of the parties are governed by the[ Master Lending Agreement. ](/stablecoin-yield/product-overview/legal/master-lending-agreement.md) {% endhint %} ### Adding the Vault Token to Your Wallet If you'd like to view your vault token balances directly from within your wallet, you simply need to add the token address to your wallet. This is varies by wallet but is generally done by copying the Loan Vault contract address and inputing it into your wallet under "Add Token". Once done, the token symbol and your token balance will automatically be imported into your wallet. Please reference your wallet providers instructions for adding a token for further details. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.opentrade.io/stablecoin-yield/product-overview/vault-tokens.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.