Skip to main content

​
Introduction

Dynamic has partnered with Morpho to bring yield capabilities directly into your app, and Earn also supports Aave lending markets. Your users can deposit stablecoins into a vault, withdraw at any time, and track their position in real time without leaving your app. Each vault is served by a provider, which is the DeFi protocol that lends out the deposited funds. Every vault has a vaultId and a provider field, and all providers use the same Earn functions. A few features depend on what the provider offers, as described in Provider support.

​
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

​
Supported chains

Earn vaults are EVM-only today, available on Ethereum, Base, Arbitrum, Optimism, Polygon, Monad, and Stable. The chains a vault runs on depend on its provider, so read chainId from listYieldVaults rather than assuming a vault exists on every chain.

​
Default vaults

These vaults are enabled by default and returned by listYieldVaults, which also returns each vault’s live netApy and tvlUsd. APY changes continuously, so the table omits it, and the TVL values below are a snapshot, not a guarantee.
Other vaults can be enabled for your environment. Contact us to have one added.

​
Key concepts

You don’t need a DeFi background to build with Earn. These are the only ideas you need:
Depending on the provider, a wallet’s shares in a vault can stay fixed between deposits and withdrawals while 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.

​
Provider support

Listing vaults, reading vault details, depositing, withdrawing, and reading a position work the same way for every provider. Earnings, performance, and rewards depend on what the provider reports or offers:
  • getYieldEarnings returns every position’s assets and USD value. Its profit and loss fields are null for a provider that does not report a cost basis, and those positions add nothing to totalPnlUsd.
  • getYieldPerformance, getYieldRewards, and claimYieldRewards work only for the providers listed on their reference pages. For a vault from any other provider, the call rejects with an HTTP 400 error.
Read each vault’s provider field from listYieldVaults or getYieldDetails to decide which features to show for it.

​
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, and 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 October 13, 2026