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:
- Morpho balance: USDC balance including yield
- Total saved: Sum of all deposits
- Points: 1 point per USDC saved
The Telegram bot shows the same core savings stats from Savings in the bot menu.
How Deposits Work
When an auto-save triggers:
- Calculate amount based on volume and your rate
- If Base: ETH to USDC swap, then deposit
- 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% |
If a user has no referrer, the direct and genesis referral portions are not paid to a referrer. The user can still sign up and save normally.
Withdrawing
- Go to app.morpho.org
- Connect your savings wallet
- Find your vault position
- Click Withdraw
No withdrawal fees from MORE or Morpho. Just Base gas (usually <$0.01).
Your savings wallet uses the same auth as MORE. Web-first users can use Google, email, or passkey. Telegram-first users can authenticate through Telegram.