Earn is a feature in World App 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.
Where Earn is supported
Earn is available in selected countries, and availability may vary by region. If the Earn feature does not appear in your Wallet tab, it may not be supported in your location.
To start earning:
- Open the Wallet tab and tap Earn.
- Choose a Program (e.g., Worldcoin, 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 anytime (the precise timing and pricing of your exit may depend on on-chain liquidity and protocol conditions).
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 App displays the current APY rate before you deposit.
Frequently Asked Questions
Where do the rewards come from?
World App 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 App 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 your World App.
Is Earn the same as the WLD / USDC Vault?
No, Earn is different and separate from the WLD and USDC Vaults. Earn is an additional feature in World App available to track your on-chain rewards.
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.
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