> ## Knowledge Base Index
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# Is staking similar to lending/earn?

No, they are very different. Finst only offers on-chain staking, and your assets are never lent to third parties. Staking involves delegating your cryptocurrencies to validate transactions of Proof-of-Stake blockchains. Although staking involves certain risks, you are not exposed to counterparty risks when staking on-chain, and you always remain the (beneficial) owner of your coins. However, if you lend your assets (often called “Earn” on some platforms), you become exposed to the risk of losing some or all your assets in case the counterparty becomes insolvent.