# Savings - srUSD & wsrUSD

Reservoir's yield bearing token, **srUSD & wsrUSD** are available to non-U.S. users and users in non-sanctioned countries. **srUSD** accrues interest daily and users can mint and/or redeem at any time. **wsrUSD** accrues interest each block and users can mint and/or redeem at any time. The interest rate for **srUSD** and **wsrUSD** will be the same and will be actively maintained by governance and set based on the state of the protocol balance sheet.

Key features:

* Reservoir’s yield bearing token minted via rUSD
* Liquid savings product with no lock-up​ 
* Redemptions will be fulfilled immediately when the PSM has available liquidity
* srUSD carries a micro burn fee that represents one day's worth of interest on the principal position
* wsrUSD carries no fees