# hTokens Upon depositing assets, users are given lending receipt tokens called hTokens (hKAVA, hATOM, hUSDt). The exchange rate of these tokens starts at 0.020000 and increases over time, as interest is accumulated. These hTokens can be deposited in the Genesis Pools or other platforms but are required to be in the user's wallet in order to withdraw the associated assets that were deposited. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.hover.market/liquidity-market/supplying/htokens.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.