Last updated 22 September 2025

Our Earn feature lets you earn interest on USDC in your Accounts. There is no minimum amount or lockup duration required. And unlike traditional banks, you can use your Earn balance when sending funds without any delay.

To get started, click Earn on the Dashboard or an Account page and specify the amount of USDC do deposit.

Once you make a deposit, a Positions section will appear in the Balances on your Account page. Your position automatically compounds according to the APY, so you never need to “claim” your earnings.

How it works

Behind the scenes your deposit flows into the Aave USDC Base Vault—an ERC‑4626 vault that plugs directly into the Aave v3 Pool on Base. Instead of handling aUSDC yourself, you receive vault shares that represent your portion of the pooled USDC.

What this means for you:

• Auto‑compounding yield. The vault periodically harvests the interest earned in Aave and re‑supplies it, so your balance grows automatically.
• One token to track. Because the vault is ERC‑4626 compliant, each share always maps to a clear amount of USDC. There are no rebasing tokens or hidden wrappers—just a single balance that increases in value over time.
• Lower gas usage. Deposits, harvests, and withdrawals are batched, keeping network fees minimal.

Everything happens natively on Base—no bridges, no wrapped assets—giving you direct exposure to Aave’s proven lending market. For a deeper look under the hood see the Aave Vault docs.

Automated Earn

Automated Earn puts your idle USDC to work. When enabled, any USDC balance in your account is automatically deposited into Aave on Base so you're always earning interest.

How to enable

Navigate to the Account you want to use, then toggle Earn on Base USDC to on.

How it works