[[Savings Account]] represents the accumulation of [[🟦 Blue Time (BT)]] and [[🟥 Red Time (RT)]] units that have been sent to you by other users. It serves as a reserve of time that you can use when you want to spend more than the allocated 24 hours per day. When you receive payments or donations, you have the option to define the percentage of 🟦 BT and 🟥 RT you want to receive. The sender can choose to approve or reject the transaction based on this ratio. This allows users to showcase their ratio of 🟦 BT to 🟥 RT as an indicator of their worth and reliability. Over time, as you receive Time units, your Time [[Savings Account]] will grow. These units can be used to extend your daily time allocation beyond 24 hours. However, it's important to maintain a healthy balance between 🟦 BT and 🟥 RT to ensure the stability of the system. Part of your [[24-hours time-based Universal Basic Income (UBI)]] can be deposited by [[Staking]] in one of the [[Lending Pools]] within the [[UBI Foundation]]'s [[Time Reserves]].