> For the complete documentation index, see [llms.txt](https://mc-markets.gitbook.io/mcmarkets-infohub/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://mc-markets.gitbook.io/mcmarkets-infohub/faq/earn.md).

# Earn

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<summary><strong>What is Earn?</strong></summary>

Earn is MC Markets' flexible savings feature. You can deposit idle assets from your Spot Account into the earnings pool to accumulate daily interest at dynamically configured APR. Supported assets: BTC, ETH, SOL, USDC, and USDT. There is no lock-up period, deposit and withdrawal at any time, with principal protected in coin-denominated quantities. However, asset-price fluctuations may reduce its USDC or fiat value, and platform and product risks remain.

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<summary><strong>What is the difference between Earn and Vault?</strong></summary>

Earn is a flexible savings product supporting five assets, with no lock-up period and principal protection in coin-denominated quantity; however, asset-price, platform, and product risks remain. Vault supports USDC only, has a 4-day lock-up period, and has dynamic returns, but its principal is at risk. Please refer to the product pages for current rules.

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<summary><strong>Where do Earn returns come from?</strong></summary>

Returns are generated from interest rewards distributed by the platform to users who provide liquidity.

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<summary><strong>In which currency is Earn interest paid out?</strong></summary>

Interest is settled and paid out in the same asset you deposited. For example, if you deposit BTC, your interest will also be paid in BTC. The USDC value displayed on the page is for reference purposes only.

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<summary><strong>When does Earn start accruing interest?</strong></summary>

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

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<summary><strong>Is there a lock-up period? Can I withdraw at any time?</strong></summary>

There is no lock-up period. You can deposit and withdraw at any time. Withdrawn funds are transferred to your Spot Account instantly.

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<summary><strong>Can I lose my principal with Earn?</strong></summary>

Earn protects principal in coin-denominated quantity, but not its USDC or fiat value. Asset-price fluctuations may reduce the converted value, and platform and product risks remain. APR is dynamic and no fixed return is promised.

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