# Protocol Income ## **Primary Revenue Sources** The protocol accumulates funds through multiple streams, ensuring **continuous liquidity and operational efficiency**: * **Reserve Factor** – A 10% portion of **interest paid by borrowers** is protocol revenue**.** * **Esteem Minting Fees** – When users mint **Esteem ($ESTEEM)** at the mint, the funds are protocol revenue. * **Liquidation Penalties** – In the **Wildlands**, up to 10% of **seized collateral** during **liquidations** is regarded as revenue. * **Favor Sales Tax – Selling Favor incurs a 50% tax**, which the protocol claims and sells over the primary Favor pair to generate revenue. ## **Secondary Revenue Sources** * **Interest Revenue** – The Treasury itself acts as a **Stronghold depositor**, earning yield like any other user. This is **not processed as** protocol revenue, but instead **compounds directly** within the **treasury**. --- # 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://betterbanks-organization.gitbook.io/better-bank/protocol-mechanics/treasury/protocol-income.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.