Mo Earn has three kinds of vault, all on Morpho. Each pays yield in the asset you deposit.
Earn Omni
A 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. Morpho v2 rates include rewards, claimed separately through Merkl.
Earn Plus
A USDC vault that aims for a higher yield than Earn Omni and carries higher risk. Only deposit what you are comfortable leaving exposed to lending markets. Transferring in needs an active Mo Plus membership. If your membership ends, your Earn Plus balance keeps earning and you can still withdraw it.
Earn
Vaults for ETH, EURC, MXNB and xSGD. Rates and risk differ by vault, so check the vault details before you deposit.
Fees and withdrawals
There is no fee on your principal. Vault fees are reflected in net rates. Check the selected vault for its terms.
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.