> ## Documentation Index
> Fetch the complete documentation index at: https://docs.monofin.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# What is Monofin Earn?

> Put idle USDC to work in curated, non-custodial yield vaults — organized by risk tier, disclosed in plain language.

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.

## 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 Withdrawn funds land back in your unified balance, ready to trade.

## 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](/earn/risk-tiers)

## The rules we write in plain sight

> [!WARNING]
>
> * **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.

## 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](/earn/risk-tiers) to understand the three levels before you deposit.


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