Savings & Withdrawals

Where Are My Savings?

Your savings are in Morpho's USDC vault on Base. You own your position directly.

• ~5% APY (varies with market)
• No lock-up period
• Withdraw anytime

Dashboard

Your Dashboard shows:

• Current Savings: USDC balance including yield
• Total Deposited: Sum of all deposits
• Points: 1 point per USDC saved

How Deposits Work

When an auto-save triggers:

1. Calculate amount based on volume and your rate
2. If Base: ETH to USDC swap, then deposit
3. If Solana: Bridge to Base, then deposit

Funds go directly from your wallet to Morpho.

Fee Split

Recipient	%
Your Savings	85%
Protocol	8.5%
Direct Referrer	5%
Genesis Referrer	1.5%

Withdrawing

1. Go to app.morpho.org
2. Connect your savings wallet
3. Find your vault position
4. Click Withdraw

No withdrawal fees from MORE or Morpho. Just Base gas (usually <$0.01).

Your savings wallet uses the same auth as MORE (Google, email, or passkey).