# Fees and Yield

### Fees <a href="#fees-and-yield" id="fees-and-yield"></a>

HyperLend charges **three types of fees**:

* **Reserve factor**: Part of the interest paid by borrowers goes to the **insurance fund and treasury**.
* **Liquidation fees**: When a position is liquidated, a portion of the **liquidation bonus** is paid to the treasury.
* **Flash-loan fees**: A small **0.04% fee** for utilizing flash loans.
* **Deposits & Withdrawals: ZERO FEES**

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### Yield

HyperLend offers **dynamic and competitive yield rates** for lenders. **Interest rates** are determined by supply and demand within the liquidity pool, with higher demand resulting in higher returns. Additionally, **E-Mode** in Core Pools enhances capital efficiency for assets with correlated prices, maximizing **yield opportunities**.

We also offer fixed private credit through our private line, **Aviya**. We launched this first in partnership with Hyperion; read the announcement [here](https://ir.hyperiondefi.com/news-events/press-releases/detail/304/hyperion-defi-announces-private-lending-pool-built-by-hyperlend).