Mo Earn takes a supported asset, puts it into a vault strategy, and pays the yield back in that same asset. Deposit USDC, get USDC. Nothing is locked, and the position stays in your own wallet.
Three tiers are live, and they differ by who runs the strategy and how much risk it takes.
| Tier | Risk | Run by |
|---|---|---|
| Earn Access | Low | Harvest autopilots, built on IPOR technology |
| Earn Pro | Medium | YO |
| Earn Max | High | Hand-curated Morpho vaults |
Earn Access
Access is the conservative tier. You supply once, and a Harvest autopilot reallocates across Harvest’s vaults as conditions change, weighing performance against gas costs and liquidity. It will not chase a rate that looks temporary, because moving costs money and a move that reverses the next day costs it twice.
The autopilot follows predefined optimization rules rather than making a discretionary call on your behalf. This is the tier to pick if you want the balance working without thinking about it again.
Earn Pro
Pro abstracts away chains and protocols. Rather than sticking to one venue’s vault menu, it allocates across the pools with the best risk-adjusted yield, wherever they are, and rebalances daily.
Risk-adjusted is doing real work in that sentence. Pool risk is scored using risk ratings from Exponential.fi, and a pool’s yield is weighted against that score before anything is allocated to it. A high rate on a fragile pool does not win. The pools the vault is currently holding are listed on the vault page, so the allocation is something you can look at rather than something you take on trust.
Earn Max
Max is the high-risk tier: Morpho vaults, curated by hand rather than selected by an algorithm. A Morpho vault routes deposits through adapters into lending markets, with caps on exposure and timelocks on configuration changes, and a curator deciding which markets are in scope.
Stronger returns come with more variance. Max is not a savings default, and the sensible amount to put in it is the amount you are willing to leave exposed to frontier lending markets.
What it costs
Nothing on your principal. Mo’s share comes out of the yield.
| Tier | Mo’s share of yield |
|---|---|
| Earn Access | 10% |
| Earn Pro | 0% |
| Earn Max | 10% |
The split is enforced in the vault smart contract, not billed to you afterwards, which means Mo only makes money on Access and Max when your balance actually earned something.
Withdrawals
There are no lockups on any tier. Yield accrues in the asset and comes back with it when you withdraw. Vaults hold idle assets for instant redemptions, and a large withdrawal can take a little longer while positions are unwound, but nothing needs claiming by hand.
One thing not to confuse
Earn yield is real USDC. It is your money, it is withdrawable, and it leaves Mo with you.
Mo Points are a rewards balance. They are worth $0.01 each inside Mo, they never expire, and they cannot be withdrawn or turned into cash. The two look similar on a home screen and are not the same thing at all.