Earn
Put your idle digital dollars to work.
Choose Earn Access, Earn Pro, or Earn Max depending on the provider and risk level you want.
Mo Earn
Choose the tier that fits your balance.
Allocated to a tier
Earn starts once your balance is allocated into a tier.
No lockups
You can exit when you need liquidity.
Three providers
Providers include IPOR, YO, and Morpho.
Live rates
Access, Pro, and Max.
Access
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Pro
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Max
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USDC weekly net APY. Access via IPOR, Pro via YO, Max via Morpho.
Questions about Earn.
Where the yield comes from, what each tier does, and what it costs.
How does Mo Earn work?
You deposit a supported asset, and it earns yield in that same asset. Nothing is locked, so you can withdraw anytime. The Earn screen shows current rates, which change and are not guaranteed.
What makes Mo Earn different?
You pick from three risk levels on one screen, and Mo handles moving funds across networks and finding pools. Your yield is real money in the asset you deposited, and you can withdraw it. Mo Points are a separate rewards balance, not money.
What is Earn Access?
The lowest-risk tier, run by Harvest on IPOR technology. You deposit once, and your funds move between Harvest vaults as returns, network fees, and liquidity change.
What is Earn Pro?
The medium-risk tier, run by YO. It spreads your deposit across pools on different networks and protocols, picking the best return for the risk. It rebalances daily and rates each pool's risk with Exponential.fi. The vault page lists current pools.
What is Earn Max?
The highest-risk tier, using hand-picked Morpho vaults. Returns can be higher, and so can the swings. Only deposit what you are willing to leave exposed to lending markets.
What does Earn cost?
Nothing on your deposit. Mo keeps 10% of the yield on Access and Max, and nothing on Pro. The vault's smart contract takes it automatically, so you never get a separate bill. More on the tiers.
Can I withdraw anytime?
Yes. No tier has a lockup. Your deposit and its yield come back to your wallet in the asset you deposited.