Borrow USDC or EURC
Choose supported crypto collateral and USDC or EURC, or eligible tokenized stocks and USDC. Review the loan terms and risk before confirming.
Borrow
Borrow against what you hold.
Crypto collateral uses Morpho on Base to borrow USDC or EURC. Eligible non-US users can also borrow USDC against supported tokenized MAG7 stocks through Aave V4. There is no origination fee; interest accrues and collateral can be liquidated.
Manage positions
Open it, then manage it.
Manage the position
Add collateral, repay or borrow more. After repaying an Aave loan, withdraw available collateral separately.
How borrowing works
Collateral in, funds out
- Pick collateral and amount
Choose supported crypto collateral and USDC or EURC, or eligible tokenized stocks and USDC. Review the loan terms and risk before confirming.
- Supply and borrow
On Morpho, one confirmation posts collateral and borrows. On Aave, supply collateral and borrow in separate steps.
- Review loan health
Monitor loan-to-value on Morpho or health factor on Aave. Collateral may be liquidated if the relevant threshold is reached.
- Repay or top up anytime
Repay debt or add collateral. For Aave, withdraw available collateral separately after repayment.
Questions about borrowing.
What collateral works, what a loan costs, and how positions unwind.
What can I use as collateral?
Crypto collateral uses Morpho on Base to borrow USDC or EURC. Eligible non-US users can also borrow USDC against supported tokenized MAG7 stocks through Aave V4. There is no origination fee; interest accrues and collateral can be liquidated.
What does borrowing cost?
No origination fee. The position accrues interest at the market borrow rate, and every figure is shown before you confirm.
What happens if the collateral price falls?
Monitor loan-to-value on Morpho or health factor on Aave. Collateral may be liquidated if the relevant threshold is reached.
Do I need a credit check or a bank account?
No. The loan is over-collateralized by the assets you post, so there is no credit check and no bank rail involved.
Can I repay early or close the position?
Yes. Repay in part or in full. Morpho releases collateral when a position closes; on Aave, withdraw available collateral separately.
Good to know
Before you borrow.
Cost
No origination fee. The position accrues interest at the market borrow rate, and every figure is shown before you confirm.
Liquidation
Monitor loan-to-value on Morpho or health factor on Aave. Collateral may be liquidated if the relevant threshold is reached.
Custody
The position belongs to your self-custodial smart account. Mo cannot move the collateral or the debt.
Network
Morpho crypto markets are permissionless. Tokenized-stock loans use Aave V4 and are available only to eligible non-US users.