Earn is a feature in World Money that, where available, lets you deposit supported assets into on-chain lending protocols and track the rewards they generate over time. By depositing supported assets, such as Worldcoin (WLD), Digital Dollars (USDC), Ethereum (wETH), or Bitcoin (wBTC), you can automatically track earned rewards with no complicated setup or external apps.
What do you need help with?
- Finding Earn in the app
- Finding or moving an old Vault balance
- Withdrawing funds from Earn
- Finding funds when Earn is not visible
How do I find Earn?
Check the navigation bar at the bottom of your app:
- If you see Earn: tap it to open your Earn dashboard.
- If you see Wallet instead: open Wallet, then select Earn.
Your app may look different from the examples below depending on its version.
If neither option is available, see Finding funds when Earn is not visible below.
Where Earn is supported
Earn is offered in selected locations. If you cannot find it, first check the navigation options above.
If Earn is unavailable in your location and you previously deposited funds, see Finding funds when Earn is not visible below.
To start earning:
- Open Earn. Depending on your app version, Earn is either its own tab in the bottom navigation bar, or inside the Wallet tab.
- Tap Deposit and choose a Program (e.g., Worldcoin (WLD), Digital Dollars (USDC), Ethereum (wETH), Bitcoin (wBTC)).
3. Tap Deposit, enter the amount, and Confirm.
4. Your rewards will update over time and appear in the Earn dashboard.
5. You can request to withdraw your assets at any time. See the steps below.
To withdraw from Earn:
These steps are for funds already held in Earn. If your funds are still in an old Vault, see How do I find or move my old Vault balance? below first.
- Open Earn.
- Tap Withdraw.
- Select the program you want to withdraw from. Only programs you hold a balance in are listed.
- Enter the amount, or tap Use Max, then tap Continue.
-
Review the summary — total value, asset value, withdraw fee and provider — then tap Continue.
- You'll see a Withdraw initiated confirmation. Your assets return to your balance of the same asset once processed.
Withdrawal timing depends on on-chain liquidity and protocol conditions, so it may not be immediate.
Withdrawing returns the asset to your corresponding balance in World Money after processing. It does not send the funds to a bank account, exchange, or external wallet.
Check that asset’s balance to confirm the funds have arrived. Processing time can vary.
Understanding APY
The reward rates you see are shown as APY (Annual Percentage Yield). The Total APY is a snapshot estimate calculated using the weighted average of your current APY rates across all programs where you have a balance in Earn. It is shown for informational purposes only.
The reward rates are variable, meaning they can go up or down, are subject to change at any time, and your balance may also change in value. The rates you receive vary depending on the rates of the protocol provider Morpho, the amount of assets you hold in each program, and any promotional rates. World Money displays the current APY rate before you deposit.
Finding funds when Earn is not visible
Were your funds still in an old Vault?
Follow the legacy balance guidance in What is Worldcoin Vault? or What is a Dollar Vault? A balance that has not moved out of Vault needs different troubleshooting from a balance already deposited into Earn.
Had you already deposited into Earn?
Open Apps, search for Morpho, and open the Mini App to check your Earn holdings and available withdrawal options.
Still unable to locate the funds?
Contact Support with your app version, operating system, and a screenshot of the screen you can access. If Earn is missing, send your Home screen with the bottom navigation visible.
Frequently Asked Questions
Where do the rewards come from?
World Money uses Morpho, a decentralized protocol that helps find the most competitive on-chain lending rates. Everything happens automatically in the background, using on-chain lending protocols selected by Morpho, so you can deposit and track your rewards without managing the underlying DeFi steps yourself. As with any on-chain activity, there are risks, including smart contract and market risks.
Human boosted rewards are promotional rewards for World Money users who are World ID verified. These boosts are limited to the first 1000 WLD and first 1000 USDC in the Earn program. A full list of available rewards can be viewed on the third-party website, Merkl.
Do I need another wallet?
No. Everything is accessible directly from World Money.
How do I find or move my old Vault balance?
Earn replaces the WLD and USDC Vaults. If you held a Vault balance, you'll see an upgrade screen with two options: Upgrade to Earn, which moves your balance into an Earn program, or Transfer to spending, which moves it to your spending balance where it no longer earns rewards.
If the upgrade screen does not appear, or your old balance is missing, see Legacy Vault balances in our transfer and withdrawal troubleshooting guide
How long do deposit/withdrawal transactions take?
Deposits and withdrawals are typically processed within a short time on-chain, but actual timing can vary based on network conditions, liquidity, and transaction fees.
Translations may differ slightly from the original English content. For the most accurate information, please refer to the article's English version if any discrepancies occur.