# Questions

> Short answers to common questions about Obento.

## Is my money locked?

No. You can withdraw at any time, with no fee.

## Where does the rate come from?

Borrowers on Morpho, Fluid and Aave pay interest to borrow USDC. Autopilot lends where they pay the most.

## Why does the rate change?

It follows how much people want to borrow. When demand rises, rates rise, and Autopilot moves money to the best places.

## What is obUSD?

Your share of the vault. You get obUSD when you add USDC, and its value in USDC grows as the vault earns. Your wallet holds it.

## Who can take my savings?

Nobody at Obento can withdraw your savings. The Safe can pause the vault and propose changes, and every change waits 48 hours in public. [Who controls what](/docs/security).

## Do I need ETH for network fees?

Not if you sign in with email or Google: Obento pays them. A connected wallet needs a little ETH on Base.

## Is there a minimum?

No. Any amount of USDC works.

## Can I get a statement?

Yes. Tap what you've earned, then **Download statement**. You get a CSV of every deposit, withdrawal and bonus with its transaction, made on your device from Base.

## Has Obento been audited?

The vault runs on YO Protocol's core contracts, which nine firms have audited. Obento's own additions have not been audited yet. [Security](/docs/security).

## Can I use Obento from my country?

Obento is open globally. Visitors from the UK see the FCA's risk summary first.