> For the complete documentation index, see [llms.txt](https://docs.dittonetwork.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.dittonetwork.io/ditto-earn/ditto-musd-savings-vault/faq.md).

# FAQ

Shares, fees, timing and risks for the MUSD vault.

## Which vault should a new integration use?

The **September 23 V2 deployment**. See [Deployments](https://docs.dittonetwork.io/ditto-earn/ditto-musd-savings-vault/deployments). The August pilot remains available to existing holders and has a separate dMUSD token.

## What do I receive?

dMUSD shares in your wallet. Their MUSD value follows the published share price. Only funds invested in Spark earn yield; cash and funds in transit do not.

## Why can TVL differ from the visible balances?

TVL uses the last published NAV, while balance reads and bridge activity refresh separately. Bridge/swap costs, accrued yield and MUSD/USDC exchange rates can change value between NAV posts. Transfer history is not an additional balance to add to TVL.

## When does the share price update?

For V2, when a withdrawal batch closes, or 48 hours after the last publication. Updates may be delayed if safety checks fail or the network is unavailable. Deposits use the last published price, which can lag current value in either direction. The independent liveness heartbeat does not publish NAV. This 48-hour policy does not apply to the August pilot.

## How do I get my funds back?

Request a withdrawal, wait for batch funding, then claim. Cancel only while the batch is Open. Timing depends on operators, liquidity and bridge settlement; it is not guaranteed. See [Withdrawals](https://docs.dittonetwork.io/ditto-earn/ditto-musd-savings-vault/withdrawals).

## What does it cost?

No protocol deposit or withdrawal fee. Bridge and swap costs are paid by the vault and reduce share value. You pay transaction gas in BTC on Mezo.

## Can I lose money?

Yes. Smart-contract, bridge, venue and operational failures, stablecoin price changes and costs can reduce the share price or delay withdrawals. The displayed APY is not a guaranteed return.