> For the complete documentation index, see [llms.txt](https://finterest.gitbook.io/product-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://finterest.gitbook.io/product-docs/about-the-protocol/finny-reserve.md).

# Finny Reserve

Out of the total amount repaid by the [#Borrowers](broken://pages/b6MSRTa9SLf1ECnqAtT3#accruing-interest-on-borrows) and [#Liquidators](broken://pages/nUiI7Ua7SSZrgVQ1R0nh#liquidation)  in each market, a percentage (denominated **reserve factor**) goes to the protocol reserves. This percentage is market dependent.\
This is the net amount that the protocol keeps as profits to be used for liquidity, community programs, calibrate risk for lenders/borrowers and upgrade the protocol.