> For the complete documentation index, see [llms.txt](https://help.defisaver.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.defisaver.com/features/smart-savings/overview-of-maker-dsr.md).

# Overview of Maker DSR

The Dai Savings Rate (DSR) is a feature in the MakerDAO system that lets DAI holders earn passive income directly on their DAI. It pays out interest (shown as an APY) continuously, with rewards distributed on every block.

{% hint style="info" %}
*There are no minimums, no lock-up periods, and no fees. Users are free to deposit and withdraw at any time.*
{% endhint %}

The interest earned comes from MakerDAO’s own revenue. Since Maker wants DAI to be widely used across DeFi, it shares part of its profits with DAI holders through the DSR as a way to encourage long-term holding and boost adoption.

Besides being the go-to option for depositing DAI, and additional selling point of Maker DSR is that it has the lowest gas costs among available options on Smart Savings.

***

## Related Articles:

* [Overview of Yearn](https://help.defisaver.com/features/smart-savings/overview-of-yearn)
* [Overview of Morpho vaults](https://help.defisaver.com/features/smart-savings/overview-of-morpho-vaults)
* [Smart Savings](https://help.defisaver.com/features/smart-savings)
* [Use-case](https://help.defisaver.com/features/smart-savings/use-case)


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