> ## Documentation Index
> Fetch the complete documentation index at: https://docs.40acres.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Merge & Increase

> Consolidate assets and add tokens directly to your collateral to boost rewards and accelerate loan repayment.

## Overview

The Merge and Increase features let you grow the earning power of your deposited collateral, without opening a new loan. A larger asset generates more weekly epoch rewards, which means your loan repays faster.

## Merge

Combine assets in your wallet with the existing collatreral you already have deposited inside 40 Acres. The two become one larger position with a stronger reward output.

**When to use this:**

* You bought a new asset on a secondary market and want to consolidate it with your existing collateral
* You want to simplify your portfolio - one position instead of managing two separately
* You want to accelerate loan repayment without depositing more USDC

**How it works:**

1. You deposit an asset as collateral in 40 Acres
2. You acquire another asset, and it's sitting in your wallet
3. Go to the customizable panel under your collateral type and click "merge"
4. The wallet asks you to select the asset that you wish to merge into your in-protocol collateral
5. Your collateral is now one larger rev generating asset earning higher rewards

<Warning>
  Merge only works with assets that are **outside** the 40 Acres protocol. You cannot merge two collaterals that are both already deposited as - one must be in your wallet.
</Warning>

***

## Increase Lock

Add native spot tokens directly to your deposited collateral to increase it's weekly epoch rewards.

**When to use this:**

* You've accumulated governance tokens and want to put them to work
* You want to increase your collaterals voting power and reward output
* You want to accelerate loan repayment without opening a new position

<Note>
  Increase Lock is **not the same as Reinvest**. Reinvest compounds your epoch rewards back into the position automatically. Increase Lock takes tokens you already hold in your wallet and adds them directly to the collaterals balance - it's a manual top-up.
</Note>

**Supported tokens:**

| DEX       | Chain     | Token |
| --------- | --------- | ----- |
| Aerodrome | Base      | AERO  |
| Velodrome | Optimism  | VELO  |
| Pharaoh   | Avalanche | PHAR  |
| Blackhole | Avalanche | BLAKC |

***

<AccordionGroup>
  <Accordion title="Can I merge two collaterals that are both inside the protocol?">
    No. Merge only works when one asset is in your wallet and one is deposited as collateral. You cannot merge two in-protocol collaterals.
  </Accordion>

  <Accordion title="Does merging affect my loan terms?">
    Merging increases the size of your collateral, which increases its weekly epoch rewards. This accelerates your loan repayment - it does not change your outstanding loan balance or add new debt.
  </Accordion>

  <Accordion title="What's the difference between Increase Lock and Reinvest?">
    Reinvest automatically takes your earned epoch rewards and compounds them back into the position. Increase Lock is a manual action - you bring tokens from your wallet and add them directly to the collaterals balance.
  </Accordion>

  <Accordion title="Does Increase Lock affect my loan terms?">
    No, it does not change your outstanding loan balance. It increases the value of existing collateral & voting power, which generates higher rewards and speeds up repayment.
  </Accordion>
</AccordionGroup>