Earn
Put your idle digital dollars to work.
Earn Omni and Earn Plus put your USDC to work, and Earn covers ETH, EURC, MXNB and xSGD. Every vault runs on Morpho.
Mo Earn
Choose a vault for your balance.
Choose a vault
Yield starts when you deposit into a vault.
Your wallet, your position
Withdrawals follow the selected vault’s terms.
Morpho
Every Earn vault runs on Morpho.
Live rates
Earn Omni and Earn Plus.
Omni
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Plus
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USDC net APY. The Earn Omni rate includes rewards, claimed separately through Merkl; the Earn Plus rate does not. Earn Plus needs Mo Plus to transfer in.
Questions about Earn.
How vaults work, what rates include, and how to withdraw.
How does Mo Earn work?
Deposit a supported asset to earn yield in that asset. Rates vary and are not guaranteed. Withdrawals depend on vault liquidity and terms, including any applicable penalty.
What makes Mo Earn different?
Choose Earn Omni, Earn Plus or Earn on the Earn screen. Every vault runs on Morpho. Yield is real money; Mo Points are a separate rewards balance.
What is Earn Omni?
A Morpho USDC vault that earns yield and stays spendable. When you pay with Mo, your Earn Omni balance can cover the payment together with wallet USDC.
What is Earn Plus?
A Morpho USDC vault that aims for a higher yield than Earn Omni and carries higher risk. Transferring in needs an active Mo Plus membership. If you hold Earn Plus, you can withdraw with or without Mo Plus, subject to the vault’s available liquidity.
What is Earn?
Morpho vaults for ETH, EURC, MXNB and xSGD. Each pays yield in the asset you deposit. Rates and risk differ by vault, and higher-yield vaults carry higher risk, so check the vault details before you deposit.
What does Earn cost?
There is no fee on your principal. Vault fees are reflected in net rates. Check the selected vault for its terms.
Can I withdraw anytime?
You can submit a withdrawal anytime, from any vault, with or without Mo Plus. Completion depends on the vault contract and available liquidity. Earn Easy and Earn Pro are discontinued; if you still hold them, withdraw from Closed vaults in Earn.