> For the complete documentation index, see [llms.txt](https://provident-capital.gitbook.io/provident-capital/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://provident-capital.gitbook.io/provident-capital/protocol-information/deposit/htokens.md).

# hTokens

{% hint style="info" %}
hTokens are interest-bearing tokens represented as 'rXXXX' in your wallet (example: hHLUSD for HLUSD)
{% endhint %}

hTokens are minted and burned upon deposit and withdrawal. 

The hTokens' value is pegged to the value of the corresponding deposited asset at a 1:1 ratio. All interest collected is distributed to hTokens holders directly by continuously increasing their wallet balance. 

If you wish to convert rTokens back to the underlying asset, navigate to your deposits on the **Dashboard** and follow the [withdrawal ](/provident-capital/protocol-information/deposit/withdraw-assets.md)prompts.