> For the complete documentation index, see [llms.txt](https://whitepaper.ivault.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://whitepaper.ivault.io/ivault-app/how-ivault-works/step-4-earn-and-save.md).

# Step 4: Earn and save

Members keep the benefits – in cash, tokens or points.

* Lending and selling fees
* Reward points
* Finder’s fees

<figure><img src="/files/tTFPWuLqroQGwvrzoHXo" alt=""><figcaption></figcaption></figure>