# Is a redemption the same as paying back the debt? No, redemptions and paying back the debt are distinct processes within the EpsiLoan Protocol. **Redemptions:** Redemptions refer to the process of exchanging yUSD for liquid (re)staked ETH at face value, with a Rigid Redemption fee applied. Users can redeem their yUSD for lrETH at any time without limitations, but they will incur a 1% Rigid Redemption fee on the redeemed amount. This fee is charged to the user and contributes to the operation and sustainability of the protocol. **Paying Back the Debt:** Paying back the debt, on the other hand, involves adjusting the debt and collateral balances within a user's Vault to reduce or eliminate the borrowed yUSD. Unlike redemptions, paying back the debt does not incur any fees. Users can adjust their Vault's debt and collateral freely, without any charges, to manage their borrowing and collateralization levels according to their financial goals and risk tolerance. In summary, while both redemptions and paying back the debt involve managing yUSD within the EpsiLoan protocol, they serve distinct purposes and entail different processes and fee structures. Redemptions allow users to exchange yUSD for lrETH with a 1% Rigid Redemption fee, while paying back the debt involves adjusting the debt and collateral balances in a user's Vault with no fees incurred. --- # 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://epsiloan.gitbook.io/docs/protocol-concepts/yusd-price-stability-and-rigid-redemptions/is-a-redemption-the-same-as-paying-back-the-debt.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.