# Earn by Depositing

You can accumulate Points simply by depositing collateral into any **whitelisted Policy Book**. Here’s how it works:

* **Daily Rewards:** As soon as you deposit, you start earning Daily Point Rewards automatically.
* **Premium APY:** You also earn a Premium Annual Percentage Yield ([learn more about saturation](https://docs.dein.fi/underwrite/underwriting#what-does-the-saturation-of-the-policy-book-mean)).
* **One-time Bonus:** Every new deposit comes with a **one-time 10% bonus** in Points, calculated based on your deposited amount. More deposits mean more bonuses!

{% hint style="info" %}
**Juicy Premiums!**\
DEIN waives its right to any protocol fee for the whitelisted policybooks, for the event's duration.\
This means a 100% of the premium paid for the policies will go right into the Underwriters pockets!
{% endhint %}

### Terms and Conditions

Your deposits are locked for a **minimum duration of 3 months**, regardless of your joining date in the event. Apart from this, all activities adhere to the regular guidelines outlined in **tos.dein.fi**.

### Climb the Leaderboard

Every Point earned contributes to your rank on the global leaderboard. Aim for the **top 10** to secure a share of the **20% Winners’ Bonus** from the total event reward pool. This is a fantastic opportunity to maximize your rewards through strategic deposits and carefully chosen earning potentials.

{% content-ref url="leaderboard-and-rewards" %}
[leaderboard-and-rewards](https://docs.dein.fi/airdrop-event/leaderboard-and-rewards)
{% endcontent-ref %}