Put your onchain capital to work with Ramp Network Earn

Your USDC is sitting in your wallet right now.

It's not going anywhere. It's not losing value. It's stable, reliable, and entirely unproductive.

USDC earns 0% by default. Not because that's fair, but because that's the default. And most people don't change defaults.

We built Earn* to change that. 

* only available in the US

What is Ramp Network Earn?

Earn is a new feature in the Ramp Network Wallet app that puts your idle USDC to work. Deposit your balance, and it generates yield automatically, every minute, without you doing anything else.

No yield dashboards. No protocol management. No gas fee anxiety. You deposit; Ramp handles the rest.

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Funds are allocated into audited, blue-chip lending markets via Morpho – an established DeFi lending infrastructure. You don't need to know what that means to use it. But if you want to: the markets are publicly visible, audited, and considered conservative by DeFi standards.

Vault strategy and risk parameters are designed with Steakhouse Financial, a specialist DeFi risk and infrastructure firm, so the allocation decisions behind your yield aren't arbitrary.

Who is it for?

Anyone holding USDC  in Ramp Wallet, on an exchange, or in an external wallet. But it's also worth a look if you're not holding USDC yet.

Most savings accounts pay 0.5–5% and move with central bank decisions you have no control over. Earn sits in the 3–7% variable APY range, with a few key differences:

• No lockup. Your money stays accessible.
• No minimum worth worrying about.
• No DeFi complexity to manage yourself.

If you want cash that works harder than a savings account, without the headache of doing it yourself, this is a straightforward answer.

The things we want you to know upfront

Yield is variable. The current rate is around 4.04%, and the typical historical range is 3-7%, but it moves with market conditions. We're not quoting a fixed savings rate. We're giving you transparent access to real on-chain yield.

Your funds are non-custodial. Ramp Network doesn't hold them. They're deployed into smart contracts, which means they're on-chain and publicly verifiable, not sitting in a Ramp Network account.

No lockup, no minimum beyond $0.01, no withdrawal fee. If you want your USDC back, you can have it back. Today.

Earn 3–7% variable APY on your USDC.
Instantly accessible. Non-custodial. Fee-free.

How to get started

1. Open the Ramp Network Wallet app
2. Click More on the Wallet page
3. Tap Earn
4. Deposit your USDC
5. Watch it grow. Withdraw whenever.

No KYC required to use Earn (KYC is only needed if you want to top up using our on-ramp services).

Available across the US. Users in Puerto Rico, Louisiana, New Jersey, Nevada, New York, Vermont, Washington, Minnesota, and Pennsylvania can't top up via Ramp Network directly, but can transfer USDC from an external wallet and use Earn just the same.

One honest summary

Your USDC was doing nothing. Now it doesn't have to.

Small change. Real money. No drama.