# Savings

beUSD tokens can be staked in the savings module to receive beUSD+, enabling users to earn the [Bento Savings Rate (BSR)](../../bento-savings-rate).

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> **Native yield**\
> beUSD+ is the yield-bearing version of beUSD, with its value increasing over time as yield is accrued from the collateral assets backing beUSD across multiple DeFi protocols.

> **Composable & efficient**\
> beUSD+ is a fully transferable and permissionless ERC-20 token designed for seamless integration across DeFi and CeFi, offering capital efficiency, flexibility, and broad accessibility.

> **Risk-optimized collateral**\
> beUSD+ inherits beUSD’s stability as the senior risk tranche and multi-asset reserve design - offering instant redemptions and strong secondary market liquidity, making it a more effective yield-bearing collateral than other stablecoins.

Savings product is suitable for DeFi users seeking low-risk passive yields on stablecoins from diverse sources in one liquid token and for TradFi users seeking better USD yields than T-bills.
