> ## Documentation Index
> Fetch the complete documentation index at: https://docs.usexfg.org/llms.txt
> Use this file to discover all available pages before exploring further.

# Creating a HEAT CD

> Lock HEAT for a term after minting — not XFG, not COLD.

## Prerequisites

* Synced daemon
* Wallet with **HEAT** balance (mint first — [Mint HEAT](/features/heat/mint-heat))
* Enough balance for the CD amount + network fee

## Critical rule

| Action    | Asset         | Term                               |
| --------- | ------------- | ---------------------------------- |
| Mint HEAT | Burn **XFG**  | `HEAT_TERM` / `mintHeatV10`        |
| Open CD   | Lock **HEAT** | Real term (6–72 epochs on mainnet) |

`createDeposit` with a normal term is for **HEAT CDs**. Do not use legacy `cold` / COLD commands as the product path.

## Create a CD

Exact CLI names depend on wallet build. Conceptual:

```
# After HEAT is in the wallet:
deposit <heat_amount> <term_epochs>
```

Term bounds (mainnet): **6–72 epochs** (`CD_MIN_EPOCHS` … `CD_MAX_EPOCHS`). Testnet allows shorter minimums for testing.

Example pattern — lock HEAT for the minimum term:

```
deposit 10 6
```

Confirm the wallet reports a **HEAT** CD (not a burn/mint and not COLD).

## What happens on-chain

* Output: `TransactionOutputCommitment` for HEAT
* Amount hidden under commitment
* Maturity height = creation height + term blocks
* Deposit secret stored in **your wallet file** — back it up

## Verify

Use wallet list/info commands for deposits (avoid relying on deprecated `list_cold` / `cold_info` naming in older docs — if still present in a binary, they may be legacy aliases).

RPC: see [Deposits API](/api-reference/deposits).

## Estimate yield

```bash theme={null}
curl -X POST http://127.0.0.1:28080/estimate_cd_yield \
  -H 'Content-Type: application/json' \
  -d '{"amount": 100000000, "creation_height": 0}'
```

Amounts are in **atomic units** where **1 coin = 10,000,000** atomic (`COIN = 1e7`), not 1e9.

## Testnet

Testnet epochs are **10 blocks**. Use testnet to practice mint → CD → maturity → withdraw before mainnet.