To engage with Banker Joe’s services, users will navigate to the Lending page on the website and deposit one of the whitelisted tokens. In return, we’ll provide them with a receipt, e.g. a user deposits AVAX and they receive jAVAX in return. The interest accrued will be increasing over time (this works in the same way as xJOE). When the user returns the jAVAXreceipt to Banker Joe, they will receive their original AVAX + the additional earned AVAX on top.