# Lending

Users who want to lend their currency at a fixed interest rate can buy fCash. A lender exchanges their currency at the time of trade for a greater, fixed amount of that currency at a specific point in the future. The exchange rate that the user gets implies a fixed interest rate on their loan between the moment they trade and the time that their fCash matures.

![](/files/-MIphWcPwPr1uNXR7Qcv)

Upon maturity, the lender can redeem their fCash for currency.

![](/files/-MIph_fb_4GocLRzOUrs)


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