// VAULTS
Curated vault access.
Earn only moves USDC between Morpho vaults you approve. Browse the set, then open the app to grant access or call the same approvals over the API.
Live vaultsBy APY
// LIVE VAULTS
Vaults we're constantly monitoring
Live rates, size, and liquidity for every vault Earn can move your USDC into.
Best vault APY
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Standard vaults
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Covered vaults
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In partnership with
Chains
7networks, -- curated vaults
Vaults by chain
Base--Ethereum--Optimism--Unichain--Polygon--Monad--Arbitrum--
// STRATEGY TYPES
Choose the risk model that works for you
Standard strategies chase the best rate across every supported vault. Covered strategies trade a small annual fee for third-party cover. Both are self-custodial and run on Auto-Pilot.
| Standard strategies | Covered strategies | |
|---|---|---|
| Supported chains | Base, Ethereum, Optimism, Unichain, Polygon, Monad, Arbitrum | Base |
| Total vaults | -- | -- |
| Self-custody | ||
| Auto-Pilot rebalancing | ||
| Third-party cover for bad debt and protocol hacks | - | |
| Cover fee | n/a | 1.05%/year |
Covered strategies use third-party cover through our partnership with OpenCover, available at launch. See Terms.
LIVE MARKETS
Top vaults by APY.
The highest-paying vaults Earn can move your USDC into right now. Rates move often, so treat this as a snapshot.
// GET STARTED
Put idle USDC to work on Earn.
Create a strategy, fund it, and Auto-Pilot moves it as rates change.