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Your trading balance shouldn’t sit still between trades. Monofin Earn puts idle USDC to work in curated on-chain yield vaults — without leaving the app and without giving up custody of your funds.

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How it works

  1. Pick a vault. Earn offers a curated set of vaults from established DeFi protocols and professional curators (Aave, Morpho, and others), organized into three risk tiers.
  2. Deposit from your balance. Funds flow from your own wallet to the vault contract — non-custodial throughout. You direct every deposit explicitly.
  3. Earn variable yield. Yield comes from real economic activity — primarily borrowers paying interest to lenders. Rates are variable and change with market conditions.
  4. Withdraw anytime. No fixed lock-ups, subject to each vault’s terms and available liquidity. Withdrawn funds land back in your unified balance, ready to trade.

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Every vault card tells you

  • Where the yield comes from, in one sentence — “borrowers pay interest to lenders”
  • The curator and their track record
  • Withdrawal terms — “no fixed lock-ups, subject to available liquidity”
  • Fees — the vault’s own fee structure, disclosed up front
  • A risk badge — Tier 1, 2, or 3. See Risk tiers

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The rules we write in plain sight

  • Yield is variable and indicative — never guaranteed. Rates move with the market.
  • These are DeFi protocols. Smart-contract risk, curator risk, and market risk are real. Deposits are not insured, and losses are possible.
  • Monofin curates and surfaces vaults; it does not manage them. Yield is generated by independent third-party protocols.
  • Never “staking,” never “investment.” Earn is DeFi yield, and we label it that way on purpose.

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Who it’s for

Earn is for the USDC you’re not trading right now — the balance between ideas. If you’re actively trading, keep your margin liquid. If you’re parked, parking shouldn’t pay 0%. See Risk tiers to understand the three levels before you deposit.