# mtTokens
mtTokens serve as the on-chain representation of a user’s deposit within Mutuum’s liquidity ecosystem. When users supply assets they receive mtTokens corresponding to their share of the deposit. These mtTokens accumulate value in real time, reflecting both the principal and any interest generated as borrowers tap into the underlying liquidity. Because mtTokens are fully compliant ERC-20 tokens, they are transferable and can potentially integrate with other DeFi protocols or secondary markets.
Holding mtTokens effectively means you own a fraction of the protocol’s lending pool. Over time, the value or redeemable amount of these mtTokens increases according to the interest rates and overall utilization of the respective pool or arrangement. When you wish to withdraw, you return the mtTokens to Mutuum’s smart contracts, which release your original assets plus accrued returns, subject to available liquidity. This mechanic streamlines the user experience: you no longer need to actively claim or compound your gains—the mtToken itself encapsulates every increment of accrued interest. By design, this system enhances transparency and enables non-custodial ownership, letting users freely monitor and transfer their deposit positions across Mutuum’s various lending scenarios.
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