> For the complete documentation index, see [llms.txt](https://docs.kasu.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.kasu.finance/lending-with-kasu/understanding-epochs-and-clearing-periods.md).

# Understanding Epochs & Clearing Periods

Kasu operates on a unique time-based system of epochs (being a 7-day period) and Clearing Periods (being the final 48 hours of each epoch). Understanding how epochs and Clearing Periods work is important to understanding Kasu’s approach to efficient private credit lending and operational security. 

While epochs introduce a slight delay between submitting Lending and Withdrawal Requests, along with key related actions and their execution, they allow Kasu to manage the liquidity requirements of Lending Strategies more efficiently and securely, benefiting all Lenders.

For example:

* If your **Lending Request** is submitted **before the Clearing Period cut-off** (**Tuesday 6 AM UTC**) – and it is accepted – you’ll start earning from the **beginning of the next epoch**.
* If your **Lending Request** is submitted **after the cut-off**, it will be carried over to the **following Clearing Period** – and if accepted – interest will start accruing from that **following weekly epoch**.
* **Interest does not start accruing until the beginning of the next weekly epoch.** If your Lending Request is not accepted, it will be rejected (funds will be returned). 


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