[[Time Reserves]] are the lifeblood of the [[UBI Foundation]], representing the accumulated time resources that underpin the entire system. This collective pool of time is built through consistent contributions from users, both through automatic fees for storing time in the [[Savings Account]] and through voluntary [[Staking]] directly into the reserves. The [[Time Reserves]] serve as a buffer, ensuring the system's resilience and capacity to support various programs and initiatives, including the establishment and operation of [[Lending Pools]]. By contributing to the [[Time Reserves]], users play a crucial role in maintaining the UBI system's long-term viability and promoting financial inclusivity for all participants.