Users mint dToken to earn interest (i.e. deposit USDT and receive dUSDT in return). dToken can be transferred, traded, and redeemed at any time. dToken can attend to a variety of yielding protocols(i.e. Compound, Aave, etc.) and dForce PPP (Public-Private-Pool) (public pool for suppliers and private collateral pool accessible to verified borrowers only) for higher yield and better liquidity.