> For the complete documentation index, see [llms.txt](https://tenfinance.gitbook.io/ten/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://tenfinance.gitbook.io/ten/lending/locking-vs-staking.md).

# Locking vs Staking

![](https://3931236349-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MTg9bsJ23imtGvbcYvG%2Fuploads%2FwrDtpd9RH1NzynSAp50x%2Fvesting-no-logo-new.png?alt=media\&token=789a8bae-7f4a-47f3-bd8d-800842147c79)

## Staking

Users can stake their tLEND tokens they receive when supplying LEND to the markets to earn additional Platform Reward Fees based on a vesting schedule, see below:

* [ ] 0-30 Days - 50%
* [ ] 31-60 Days - 65%
* [ ] 61-90 Days - 75%

Exiting your vesting early will incur a penalty and these penalties are disbursed to those that have locked their tLEND tokens.

## Locking

Users can stake their tLEND tokens they receive when supplying LEND to the markets to earn additional Platform Reward Fees PLUS Penalty Fees from early vesters that pay a penalty to un-stake early.

Lockers CANNOT unlock earlier than 90 days, day 91 is earliest unlock date.

To continue to receive penalty fees, users must LOCK their tLEND tokens again upon expiry.