> For the complete documentation index, see [llms.txt](https://docs.secured.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.secured.finance/usdfc-stablecoin/getting-started/using-the-stability-pool.md).

# Using the Stability Pool

Deposit USDFC and earn liquidation gains

The Stability Pool is the protocol's first line of defense: when a Trove is liquidated, USDFC from the pool repays its debt and the Trove's FIL collateral is distributed to depositors. Because a Trove can be liquidated as soon as it falls below 110% in Normal Mode (below the system TCR during [Recovery Mode](/usdfc-stablecoin/core-mechanics/recovery-mode.md)), its collateral is normally still worth more than its debt — so depositors typically acquire that FIL at a discount to market price. You'll need USDFC in your wallet and FIL for gas.

<figure><img src="https://2995566130-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F5n2yKWdxy0II5Sd3ZIQL%2Fuploads%2Fbc8b3ggBn3IvEq0OmHNo%2Fstep4.gif?alt=media&amp;token=346d2924-e41f-48dd-8968-e501bb74ad94" alt="Animated walkthrough of depositing into the Stability Pool"><figcaption><p>Quick walkthrough of this step</p></figcaption></figure>

## Step 1 — Open the Stability Pool page

In the [USDFC app](https://app.usdfc.net), go to the **Stability Pool** page. Pool-wide statistics (total deposits and your share) are also visible in the **Protocol Overview** section of the Dashboard.

<figure><img src="https://2995566130-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F5n2yKWdxy0II5Sd3ZIQL%2Fuploads%2FWDvh0hftACBQ5NaOTQ25%2FScreenshot%202026-03-27%2019.22.22.png?alt=media&amp;token=75e9c265-7d39-44dc-ab0e-c4851fe58b9c" alt="The Stability Pool page and protocol statistics"><figcaption><p>The Stability Pool page and protocol statistics</p></figcaption></figure>

## Step 2 — Deposit USDFC

Enter the amount to deposit, click **Deposit USDFC**, and confirm in your wallet. There is no deposit fee and no minimum, though very small deposits may not justify the gas.

<figure><img src="https://2995566130-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F5n2yKWdxy0II5Sd3ZIQL%2Fuploads%2FQn33UZyZwZFKuhpy9FmN%2FScreenshot%202026-03-27%2019.23.48.png?alt=media&amp;token=33bfee3f-59a8-4f3d-83a6-17b40a59c066" alt="The deposit form"><figcaption><p>The deposit form</p></figcaption></figure>

## Step 3 — Watch your deposit work

Liquidation gains accrue only when liquidations happen, so don't expect steady drip income — activity clusters around FIL price drops. Two numbers change over time:

* **Your deposit** shrinks as its share of USDFC is used to repay liquidated debt.
* **Your liquidation gain** (FIL) grows as you receive your share of seized collateral.

This is a conversion, and usually not a loss: your USDFC becomes FIL at a discount, since a liquidated Trove normally hands over more than $1 of collateral per $1 of debt repaid. Two caveats: in a severe crash a Trove can be liquidated below roughly 100.5%, and that particular liquidation is a net loss for the pool; and you're accumulating a volatile asset whose price can fall after you receive it.

<figure><img src="https://2995566130-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F5n2yKWdxy0II5Sd3ZIQL%2Fuploads%2FLPdvT86HRT1caVnVkkyC%2FScreenshot%202026-03-27%2019.36.01.png?alt=media&amp;token=19eb2cf5-258a-4942-b88b-dffb9a70d9d5" alt="Deposit and liquidation gains on the Stability Pool page"><figcaption><p>Deposit and liquidation gains on the Stability Pool page</p></figcaption></figure>

## Step 4 — Claim your FIL gains

On the Stability Pool page, click **Claim FIL** and confirm in your wallet (the same action appears as **Claim Gains** on the Dashboard). The FIL is sent to your wallet balance; your remaining USDFC deposit stays in the pool.

## Step 5 — Withdraw when you want

Click **Adjust** on your deposit, switch to the **Withdraw** tab, and enter the amount to withdraw (the app caps it at your current deposit). Click **Withdraw USDFC** and confirm. The USDFC plus any unclaimed FIL gains go to your wallet.

{% hint style="warning" %}
There is no lockup, but withdrawals are temporarily suspended whenever there are Troves below 110% that haven't been liquidated yet — the pool has to do its job first. You can withdraw once those liquidations clear.
{% endhint %}

<figure><img src="https://2995566130-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F5n2yKWdxy0II5Sd3ZIQL%2Fuploads%2Fc4B363IkpF2vhDw9jg3W%2FScreenshot%202026-03-27%2019.36.58.png?alt=media&amp;token=3ae8de6c-25e3-4b66-bf1e-bd71d4d007a4" alt="Withdrawing from the Stability Pool"><figcaption><p>Withdrawing from the Stability Pool</p></figcaption></figure>

## How your share is calculated

When a liquidation occurs, both the debt repayment and the collateral gain are split across depositors pro rata:

$$
\text{Your Gain} = \text{FIL allocated to the pool} \times \frac{\text{Your Deposit}}{\text{Total Stability Pool}}
$$

"FIL allocated to the pool" is the liquidated collateral minus the liquidator's 0.5% share — only the covered fraction if the pool doesn't hold the full debt. For Recovery Mode liquidations of Troves between 110% and the TCR, the collateral is first capped at 110% of the debt and the 0.5% is then taken from that amount, so the pool receives collateral worth about 109.45% of the debt. Your deposit decreases by your pool share multiplied by the debt the pool repaid. Everything is automatic — there's nothing to trigger or compound manually.

## Troubleshooting

* **Withdraw USDFC is disabled or reverts** — there are Troves below 110% waiting to be liquidated; withdrawals reopen once they clear. Withdrawals also revert while the [price feed](/usdfc-stablecoin/core-mechanics/price-oracle.md) cannot return a usable price.
* **Claim FIL is greyed out** — no liquidation has credited your deposit yet; gains only appear after liquidations occur.
* **My deposit is smaller than what I put in** — expected: part of it was used to repay liquidated debt, and the corresponding FIL is in your liquidation gain.

## Where next

* [Liquidation](/usdfc-stablecoin/core-mechanics/liquidation.md) — the full mechanics behind the gains
* [Recovery Mode](/usdfc-stablecoin/core-mechanics/recovery-mode.md) — liquidations extend to Troves below the system ratio (up to 150%) during Recovery Mode, which typically means more pool activity
* [Redeeming USDFC](/usdfc-stablecoin/getting-started/redeeming-usdfc.md) — a different way to convert USDFC to FIL