When you stake LOAN, it's wrapped into sLOAN and starts earning LOAN rewards. Choose a lockup from 7 days to 4 years—longer lockups earn higher rewards via a Reward Multiplier (up to 4x). APR is variable. Once staked, tokens stay locked until the term ends. While staked, you can vote on governance decisions for the LOAN ecosystem like what coins to add next. Each stake is unique, meaning that the sLOAN belongs to you and you alone, and you cannot transfer it to another user while it is staked. When you unstake your crypto, the sLOAN will automatically be unwrapped and deposited back into your wallet as LOAN.