Balances sit idle more often than they should. Mo Earn is the product that puts them to work: deposit a supported asset, pick a line, and see live rates in the app. Yield accrues in the asset you deposited and is withdrawable. Mo Points are not yield: they are a rewards balance funded largely by commerce, never cash, never withdrawable.
Three lines are live today. Exact assets and rates change; always use the Earn screen. Mo takes a share of generated yield (pricing: Mo earns when you earn).
Earn Access
Access is the conservative line: one deposit, then automatic allocation.
You supply USDC, cbBTC, or wETH once. Access allocates across the best-performing Harvest vaults on Base, adjusting for performance, gas, and liquidity. There is no lockup invented for this copy. You keep custody of the position in Mo and can withdraw when you need spendable balance again.
If a strategy has special terms, the app states them. Past yield is not a promise.
Earn Pro
Pro is for going closer to the source of yield than wrapping the same vault menu.
YO (Yield Optimizer) allocates across specific markets as well as vaults, so the line is not limited to one venue’s catalog. Some vaults are expensive for the underlying exposure, have a thin set of markets, or spread yield too thin. Granular allocation is how Pro aims for risk-adjusted yield.
YO uses Exponential.fi risk ratings as part of that balance. Positions stay in your Mo wallet. Bridging, hopping chains, and chasing pools by hand is the work Pro is meant to remove, not a second product you open outside Mo.
Earn Max
Max is the higher-risk line: Morpho markets on Base, built for stronger returns when you accept more variance.
Live Max assets are listed in Earn. Do not treat Max as a savings default. Deposit only what you can leave at the risk of frontier lending markets, and withdraw when you need the balance back.
How it fits the rest of Mo
Money in → hold, or deposit into Earn → spend USDC on Travel → collect Mo Points → redeem Points where Mo allows → repeat.
Earn improves the hold half. Commerce and Points make USDC useful beyond parking it.
Getting started
- Open Mo and open Earn.
- Choose Access, Pro, or Max and an asset you already understand.
- Deposit only what you can leave at the risk of that line.
- Withdraw when you need spendable balance again.
More with Mo.
Get Mo at get.mo.xyz