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Your money should never sit still earning less than it could. But that's exactly what happens: you pick a good vault, rates drift, and months later you're earning yesterday's rate. Or your USDC sits idle because comparing chains and vaults never reaches the top of your list. Lending rates move constantly and don't line up across chains, and nobody refreshes that many dashboards around the clock. The gap isn't about discipline. It's structural. Taking that kind of complexity off people's plates is what Quicknode does, so we built Earn to close it.

What Quicknode Earn does

Quicknode Earn is a non-custodial USDC yield optimizer. It constantly scores every eligible Morpho vault across 7 chains and moves your USDC vault deposits to the best rate that clears the rules you set. Moves across chains travel as native USDC through Circle's CCTP V2, with nothing wrapped or synthetic in between. Your vault shares mint straight to your wallet, and the rebalancer can only move funds between approved vaults or back to you.

How it works

You set the rules; Earn does the heavy lifting.

1. Which chains to include in your strategy

2. How big a rate improvement is worth a move

3. How many vaults to spread across

4. Minimum vault TVL and liquidity

Earn takes over: it checks every 5 minutes and moves your position when a better rate clears your threshold and holds. Close or withdraw anytime.

In practice, your USDC keeps moving toward the Morpho vaults paying the most, following rates as they change.

View live vault rates

Three things that set Earn apart.

Non-custodial by architecture. Your vault shares live in your wallet from the moment you deposit. If Quicknode's services ever went dark, your vault shares remain yours, and you can close your position directly on Morpho. No permission from us, ever.

A gas-cost fee, never a cut of your yield. Earn charges a transparent fee tied to the network cost of each rebalance, never a percentage of what you earn. No deposit fee, no fee to hold your position, no fee to leave.

Audited by OpenZeppelin. OpenZeppelin, a leading smart-contract security firm, audited the contracts behind Earn. You can read the full audit report before you deposit.

Connect your wallet to get started.

Browse the live vaults or read the docs.

Disclaimer. Quicknode Earn is non-custodial: you keep custody of your assets at all times, and they are never transferred to Quicknode. Yield rates are variable and set by onchain market conditions, with no guaranteed return. Deposits carry smart-contract and DeFi risk, including bugs or exploits that could cause partial or total loss, and the underlying Morpho vaults operate independently and may be subject to governance changes, liquidity crises, or insolvency. Nothing here is investment, financial, tax, or legal advice, and the Earn Services are provided "as is" without warranties. You are solely responsible for evaluating the risks and for reviewing every transaction before you sign it. See the full Terms.