When you borrow and lend on Pinjam, you will receive Token rewards incentives. Upon launch, you can view the rewards APR on the markets page.
Yes, when you claim your rewards, it will be vested for THREE (3) months. If you wish to immediately withdraw your rewards, you will need to take a 50% exit penalty.
During vesting, you will still receive protocol fees - the same applies as well when you stake.