> ## Documentation Index
> Fetch the complete documentation index at: https://docs.synclear.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Synclear Investor Products — Lend and Save Overview

> Synclear offers two capital deployment paths for institutional participants: credit lending through pools, and passive yield through savings vaults.

Synclear is a CeDeFi credit protocol built for on-chain businesses. As a capital provider, you interact with two distinct product surfaces — **Lend** and **Save** — each designed for different risk appetites, liquidity preferences, and operational complexity tolerances. Both products are built on audited smart contracts, with off-chain underwriting and compliance infrastructure layered on top to meet institutional standards.

## KYC/KYB Onboarding

Access to Synclear's investor products requires successful completion of Know Your Customer (KYC) or Know Your Business (KYB) verification. This is a one-time process conducted through Synclear's onboarding portal. Verification is required before any capital can be committed or deposited.

<Note>
  Onboarding typically completes within one business day for individuals and two to three business days for institutional entities. You will need to provide government-issued identification, proof of address, and — for entities — incorporation documents and beneficial ownership disclosures.
</Note>

Once verified, your wallet address is allowlisted on-chain. All subsequent interactions with credit pools and savings vaults are permissioned to your verified address.

## Capital Deployment Paths

<CardGroup cols={2}>
  <Card title="Lend" icon="landmark" href="/investors/lend/overview">
    Commit capital to credit pools with direct exposure to verified on-chain borrowers. Earn structured interest with defined terms, borrower underwriting, and seniority protections.
  </Card>

  <Card title="Save" icon="piggy-bank" href="/investors/save/overview">
    Deposit stablecoins or blue-chip assets into savings vaults for continuous, passive yield. No active management required — curators handle allocation on your behalf.
  </Card>
</CardGroup>

## Choosing Between Lend and Save

|                | Lend                              | Save                              |
| -------------- | --------------------------------- | --------------------------------- |
| **Yield**      | Higher (structured, pool-defined) | Lower (spread-based, variable)    |
| **Complexity** | Active — pool selection required  | Passive — deposit and accrue      |
| **Liquidity**  | Pool-dependent, possible lock-up  | Instant or 1-day withdrawal queue |
| **Exposure**   | Direct borrower credit risk       | Blended, diversified exposure     |
| **Minimum**    | Per-pool defined                  | Low, vault-defined                |

Both products settle on-chain. Interest accrual, position accounting, and withdrawals are fully transparent and auditable at any time.