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Introduction

Dynamic has partnered with Morpho to bring yield capabilities directly into your app. Your users can deposit stablecoins into curated, ERC-4626 vaults, withdraw at any time, and track their position in real time — all without leaving your app.

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What you can offer your users

  • Deposit and withdraw assets into yield vaults with a seamless in-app experience
  • Earn yield in the same asset your users deposit — deposit USDC, earn USDC
  • Track positions with real-time holdings and accrued yield

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Supported chains

Earn vaults are EVM-only today, available on Ethereum, Base, Arbitrum, Optimism, Polygon, Monad, and Stable.

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Default vaults

These Morpho vaults are enabled by default and returned by listYieldVaults. netApy and tvlUsd are live figures — treat the values below as a snapshot, not a guarantee.
Other vaults can be enabled for your environment — contact us to have one added.

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Key concepts

You don’t need a DeFi background to build with Earn — these are the only ideas you need:
A wallet’s shares in a vault stay fixed between deposits and withdrawals — only assets moves. Always display assets, never shares, when showing a user their balance or how much they’ve earned.
Your app should make clear to end users that yield is generated via a DeFi protocol independent from the wallet provider. Users keep full control of their assets and should explicitly direct any deposit or supply action.

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Using the Earn functions

This is the full lifecycle:
  1. listYieldVaults — see which vaults are enabled for your environment.
  2. getYieldDetails — get a specific vault’s asset, decimals, and other metadata.
  3. depositToYieldVault — deposit a wallet’s funds into a vault.
  4. getYieldPosition — read a wallet’s current assets balance in a vault. This is the number to show a user — it grows on its own as yield accrues.
  5. getYieldRewards and claimYieldRewards — check for and claim bonus token rewards, if the vault runs a campaign.
  6. withdrawFromYieldVault — withdraw a wallet’s position, in whole or in part.
See each function’s reference page for parameters, return types, and usage examples.
Do your own research when selecting a vault or lending market. APY is variable and not guaranteed. Review the protocol documentation and understand the risks before depositing funds.
Dynamic does not control DeFi vaults, lending markets, or the underlying protocols. Vault and market information is provided for reference only and may change or be inaccurate. Earnings are generated from third-party protocols and are not guaranteed. Using vaults and lending markets involves risk, including potential loss of funds. These materials are for general information purposes only and are not investment advice or a recommendation or solicitation to engage in any specific transaction. You are responsible for evaluating protocols and vaults at your own discretion. Dynamic does not provide investment, financial, legal, or tax advice.
Last modified on September 11, 2026