Quicknode Earn is a non-custodial USDC yield optimizer. It allocates your USDC across curated ERC-4626 vaults on Morpho and rebalances your positions toward the highest-yielding eligible vaults.
You choose the networks and strategy rules. Earn monitors the vaults that meet those rules and handles eligible rebalances without taking custody of your funds.
- What it is. Quicknode Earn is a non-custodial USDC yield optimizer that allocates capital across eligible Morpho vaults based on your strategy rules.
- Stay in control. Your USDC remains in approved Morpho vaults. Quicknode never holds it, and the rebalancer cannot route it outside the approved vault set.
- Automate yield optimization. Earn compares eligible vaults across Ethereum, Optimism, Base, Arbitrum, Polygon, Unichain, and Monad, then rebalances when a higher-yielding vault meets your rules. Cross-chain moves use Circle's CCTP.
- Keep your yield accessible. Rebalance fees cover gas costs instead of taking a percentage of your yield. You can close a strategy and withdraw at any time.
How Earn works
An Earn strategy is an automated USDC position with its own networks, vault criteria, rebalancing rules, and balance.
- Configure
Choose the source chain, deposit amount, eligible networks, vault criteria, and rebalancing settings.
- Approve
Approve USDC and the eligible vaults that Earn may use for your strategy.
- Deposit
The Earn contract forwards your USDC into one or more approved Morpho vaults.
- Monitor and rebalance
Earn compares eligible vaults and applies your strategy rules before moving capital.
- Close and withdraw
Close the strategy when you choose and return the USDC to your wallet.
See Creating a strategy for each configuration option and Rebalancing for the complete scoring and execution rules.
How Earn remains non-custodial
Your USDC is never held in a Quicknode wallet. When you deposit, the Earn contract forwards the USDC into approved Morpho vaults, and the vault shares belong to your wallet.
Per-vault approvals restrict where Earn can move those shares during a rebalance. The rebalancer cannot route funds outside the vault set you approved, and only the strategy owner can close the strategy.
During a cross-chain move, USDC is briefly in transit through Circle's CCTP before it is deposited into the destination vault. See Cross-chain bridging for the complete flow.
Strategy controls
Each strategy lets you control:
- Networks — Select one or more supported networks.
- Strategy Vaults — Choose how many vaults to split the position across.
- Minimum vault size — Exclude vaults below your selected TVL floor.
- Minimum withdrawable liquidity — Set the liquidity floor used when evaluating vaults.
- Sensitivity — Set how much better another vault must be before a move qualifies.
- Confirmation and APY smoothing windows — Control how long a candidate must remain qualified and how Earn evaluates changing APY.
- Hidden vaults — Exclude specific vaults from the strategy.
You can later edit the strategy name, Sensitivity, Confirmation window, APY smoothing window, and hidden vaults, or pause and resume the strategy. The networks, capital, number of Strategy Vaults, minimum vault size, and minimum withdrawable liquidity are fixed when the strategy is created. To deploy additional capital, create another strategy.
What Earn is not
- Not a pooled fund — Each strategy belongs to its owner and is accounted for on-chain.
- Not a token — Earn has no token, governance, or airdrop.
- Not discretionary asset management — Rebalances follow the strategy rules and vault criteria you configure.
- Not a lockup — You can close a strategy and withdraw at any time.
- Not a multi-asset product — Earn currently supports USDC.