Ramp Network Earn lets eligible app users deposit supported crypto into on-chain lending products to seek a variable return. Available products can include USDC on Base through Morpho, with Steakhouse as vault curator, and USDC on Stellar through Blend. Open Earn to see the products, networks, current rates and actions available to you.
Earn involves investment risk. Returns are not guaranteed, and protocol failures or losses in the underlying lending positions can put your funds at risk.
Deposit into Earn
Open Earn in the Ramp Network app, if it is available to you.
Enter the amount of supported USDC you want to deposit.
Review the current APY, vault information, amount and fees.
Confirm the deposit using your passkey.
APY means annual percentage yield. It is a variable annualized rate, not a promised amount of earnings. Check the current rate in the app rather than relying on an earlier rate.
Choose the Earn product first, then check its asset and network. USDC on Base and USDC on Stellar are separate holdings. Use the balance and funding options shown for the selected product.
Review Management fee before confirming. Where charged, this fee is a share of your earnings, taken as interest accrues, rather than a deduction from your original deposit. Open What is the management fee? for the explanation and example. Rates and fees vary by product; use the amounts shown in the app.
Review your balance and activity
On a supported asset page, Active earn deposits shows your existing Earn positions. Select a position to open its details. If you do not yet have a position, an illustration of possible earnings may appear instead. Estimated annual rewards use the current rate and deposit amount; actual rewards can change. Earnings totals are not available for every product.
Check Activity for deposits and redemptions. Some products may allow existing funds to be redeemed while new deposits are unavailable.
A change in APY can change future earnings. It does not mean the original rate remains fixed for your deposit.
Redeem funds to your wallet
Open your Earn holding and select Redeem.
Enter the amount you want to redeem.
Review the receiving wallet, any fees and the timing information shown.
Select Continue and complete the authorization steps.
Redemptions are normally instant. Delays occur only in exceptional cases.
You can redeem part of the balance where offered. A redemption returns crypto to your Ramp Network Wallet; it is not a payout to your bank.
A deposit or redemption is pending
If a deposit or redemption is pending, check Activity and the timing information in the app. A pending redemption is an exception to the normal instant experience; wait for it to complete before using those funds.
If a transaction shows complete but the balance is missing, refresh the app and compare the Earn and wallet balances. If the issue continues, contact Contact Ramp Network support with your wallet address, transaction reference, time and screenshot.
If Earn is not shown, it may not be available to your account or location. Updating the app does not guarantee eligibility.