For example, you deposited 8,400 USDC and minted 10 uSTONKS tokens. At expiry the index price is calculated at 420 USDC per token. The 10 uSTONKS tokens are worth 4,200 USDC. You can settle your 10 uSTONKS for 4,200 USDC. The remaining 4,200 USDC will be unlocked from your collateral.