Earn: Flexible Yield on 5 Assets, Deposit & Withdraw Anytime

Introduction

Most people hold some crypto that sits still for long stretches — BTC kept for the long term, USDC waiting between trades, ETH staked mentally rather than actively traded. Earn is built for that capital. Deposit any of the 5 supported assets, start accruing yield from the next day, and withdraw at any time without penalty.

This guide explains how Earn works in plain language: what T+1 accrual means, what coin-denominated settlement means, why "no lock-up" actually matters, and where your yield comes from. By the end you'll be able to make a deposit and know exactly what to expect.

1. What Earn Is

Earn is a flexible yield product. You deposit a supported asset, and the platform pays you a daily yield denominated in that same asset. There's no lock-up period — you can withdraw your full balance at any time, instantly. Your principal is in your account; what's accruing on top of it is the yield.

The product is designed for one job: make idle assets productive without making you commit to anything. If you're holding USDC or BTC anyway, having it sit in Earn instead of an unproductive balance generally costs you nothing in terms of optionality, while quietly adding to your position over time.

2. The 5 Supported Assets

Earn supports yield generation across the platform's 5 major assets — including BTC, ETH, SOL, USDC, and USDT. You can deposit any subset of them, and each generates yield independently.

A few practical notes:

• Each asset has its own APY, set based on supply-demand dynamics for that asset on the platform. Stablecoins typically yield differently from majors; majors typically yield differently from each other.
• Yields update over time as conditions change. Your existing deposit isn't locked into the rate that was published when you deposited; you receive whatever the prevailing rate is each day.
• You can deposit and withdraw any amount, any time. There are no minimum amounts and no penalties.

If you hold a basket of assets and want all of them earning passively, Earn supports the whole stack from a single interface.

3. T+1 Accrual, in Plain Language

"T+1" means the yield earned on day T is credited to your balance on day T+1 — typically the next day at the platform's daily settlement time.

Concretely: if you deposit 1,000 USDC at noon on Monday, accrual begins at UTC 00:00 on Tuesday. Wednesday morning, Tuesday's yield is credited to your balance. Monday itself generates no yield. From Wednesday onward, yield compounds daily for as long as you hold the deposit.

Effective Date (T+1): Once funds are successfully deposited, earnings will begin accruing from UTC 00:00 the following day (subject to real-time display on the page and final system settlement). Any withdrawn portion will stop accruing interest immediately.

This is different from "real-time accrual" displays you may have seen in DeFi products, where the number ticks up by the second. T+1 is cleaner: one settlement event per day, predictable and easy to reconcile.

4. Coin-Denominated Settlement, in Plain Language

"Coin-denominated" means you earn yield in the same asset you deposited — not in USDC, not in a platform token, not in an IOU.

Settlement Currency (Coin-denominated): Interest is settled and paid out in the same asset that was deposited. For example, if you deposit BTC, the interest earned will also be in BTC. The USDC value displayed on the page is for reference purposes only.

If you deposit BTC, you earn BTC. If you deposit USDC, you earn USDC. If you deposit SOL, you earn SOL.

Why this matters: the value of your earnings tracks the value of your principal. You don't end up with a stack of "yield tokens" that need to be converted back to your original asset (paying conversion fees and timing risk along the way). Your BTC simply becomes more BTC over time.

For long-term holders of an asset, this is an important property. It compounds your existing exposure rather than diversifying it accidentally.

5. No Lock-Up: Why It's the Headline Feature

The single most important property of Earn is what it doesn't do: it doesn't lock your money.

Compare this to fixed-term products (like the MLP Vault, which has a 4-day lock):

• Fixed-term products offer higher yields in exchange for a commitment that your capital will be available to the platform for a defined period.
• Flexible products like Earn offer lower yields, but you keep full optionality — you can withdraw the moment you need the capital for anything else.

For most users, this is the right trade-off. Holding USDC in Earn means: yield while it's there, instant access when you want to deploy it into a trade. You don't have to choose between "earning something" and "ready to act."

The yield in Earn is therefore lower than what you might see in a locked product. That's the point, not a bug.

6. Where the Yield Actually Comes From

Yield doesn't appear from nothing. The yield in Earn comes from interest generated by the platform rewarding users for providing liquidity. The platform aggregates this and pays it back as the Earn APY, dynamically adjusted based on platform activity.

Two implications worth understanding:

• Yields can change. If borrowing demand for an asset rises, its Earn APY tends to rise. If demand falls, yields fall. The number on screen is a current rate, not a guarantee.
• Earn does not put your principal at risk. Your annual percentage yield is dynamically adjusted by the platform — returns are not guaranteed to be a fixed number, but your principal is not affected.

Minimum deposit amount and deposit cap are subject to the figures displayed on the page.

7. Making a Deposit, Step by Step

A complete first deposit:

1. Open the Earn page. You'll see a list of supported assets, each with its current APY.
2. Pick the asset you want to deposit. APYs differ by asset — review them, but ultimately deposit the asset you actually hold and want to grow.
3. Enter the amount. Any amount is acceptable; there's no minimum. Most users deposit either "a portion I want to keep liquid" or "all of this asset I'm not actively using."
4. Confirm. The deposit takes effect immediately. Accrual begins at UTC 00:00 the following day (T+1).
5. Check back in a day. Your first yield credit lands in your balance the next day at settlement. From there, it compounds in your account every day.

To withdraw: open the same page, choose the asset, enter the withdrawal amount, confirm. Funds return to your trading balance instantly. When processing a withdrawal, the system first deducts from accrued interest; any amount exceeding the interest is then deducted from principal.

Earn is MC Markets' flexible savings feature. Users can deposit idle assets from their Spot Account into the earnings pool to accumulate daily interest at a dynamically configured Annual Percentage Yield (APY). Returns are generated from interest rewards distributed by the platform to users who provide liquidity.

Interest Calculation (Simple Interest): The platform uses a simple interest model. Daily interest = Deposited principal x Daily APY / 365.

Withdrawal Logic: When processing a withdrawal, the system will first deduct from accrued interest; any amount exceeding the available interest will then be deducted from the principal.

Principal Safety: The Earn feature does not result in any loss of principal.

How to Access: Click Earn in the navigation bar, select an asset, then click Deposit or Withdraw.

FAQ: Can I lose my principal with Earn? No. The Earn feature does not result in any loss of principal. Interest is paid in the same asset you deposited — for example, if you deposit BTC, interest is also paid in BTC. The USDC value shown on the page is for reference only.

8. Quick Recap

The four ideas worth taking with you:

• Earn is a flexible yield product across 5 supported assets. Deposit any amount of BTC, ETH, SOL, USDC, or USDT, and start earning the next day.
• T+1 accrual means yield is calculated daily and credited to your balance the following day at settlement. Coin-denominated means you earn the same asset you deposited.
• No lock-up. Withdraw the full balance instantly, any time, with no penalty. The trade-off for full liquidity is a lower yield than locked products.
• Yield comes from interest generated by the platform rewarding users for providing liquidity. Rates fluctuate based on platform activity. Returns are not guaranteed to be a fixed amount, but principal is not affected.

Risk Disclosure

Earn yields are variable and depend on platform activity. There are no guaranteed fixed returns. Earn does not put your principal at risk — yield amount may vary but principal is not affected. The supported assets, available APYs, and exact mechanics described here reflect current platform settings and may be updated; always check the official documentation before depositing. Only deposit capital you can afford to lose.