> For the complete documentation index, see [llms.txt](https://docs.nara.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.nara.io/nara-protocol/narausd+.md).

# NaraUSD+

#### Earning Yield with NaraUSD+

NaraUSD+ is the yield-bearing staked version of NaraUSD. It is designed for users who want exposure to returns generated by Nara’s short-term financing portfolio.

When users stake NaraUSD, they receive NaraUSD+. As Nara’s short-term financing portfolio generates returns, those returns are designed to accrue to NaraUSD+ through the protocol’s vault or share mechanics. This means NaraUSD+ is intended to represent a claim on staked NaraUSD plus accumulated yield, subject to fees, reserves, risks, and applicable terms.

#### Unstaking Process

When unstaking, NaraUSD+ tokens are burned, and users receive their proportional share of NaraUSD based on the current, appreciated exchange rate. To ensure there is sufficient time to unwind the underlying assets in an orderly manner, the protocol may enforce a cooldown period before withdrawals can be executed.

#### Yield Accrual Mechanism

1. **Staking NaraUSD:** Users deposit NaraUSD into the staking contract, which in turn mints NaraUSD based on the current exchange rate (initial rate: 1 NaraUSD+ = 1 NaraUSD).
2. **Yield Distribution:** Yield generated from the real-world assets continuously flows into the staking contract, increasing the total NaraUSD reserves held within it.
3. **Passive Growth:** As the vault's reserves grow, the value of each naraUSD+ token appreciates proportionally. This mechanism ensures that returns are automatically reflected in the increasing value of NaraUSD+, requiring no manual intervention from the user.

#### Unstaking Process

When users unstake, their NaraUSD+ tokens are burned, and they receive their proportional share of NaraUSD calculated at the current exchange rate. To ensure orderly unwinding of the underlying assets, the protocol enforces a 7-day cooldown period before withdrawals can be completed.


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