> 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

<details>

<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 a dynamically configured APR. Supported assets: BTC, ETH, SOL, USDC, and USDT. There is no lock-up period, deposit and withdraw at any time, with no impact on your principal.

</details>

<details>

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

Earn is a flexible savings product supporting 5 assets, with no lock-up period and no risk to principal. Vault is a liquidity provision product supporting USDC only, with a 4-days lock-up period (subject to real-time display on the page and final system settlement) and potentially higher returns, but principal is at risk. Please choose based on your own risk tolerance.

</details>

<details>

<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.

</details>

<details>

<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.

</details>

<details>

<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).

</details>

<details>

<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 Withdrawn funds are transferred to your Spot Account instantly.

</details>

<details>

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

No. The Earn feature does not result in any loss of principal.

</details>


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://mc-markets.gitbook.io/mcmarkets-infohub/faq/earn.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.