Why let your crypto sit idle when it could be working for you? With Earn, you can turn your existing tokens into automated income through strategies like high-yield vaults.
Forget “passive income.” This is automated income: intelligent, adaptable, and optimized for the dynamic world of crypto.
Earn is a hub for putting your crypto to work. Instead of manually navigating DeFi protocols, Pass App surfaces a list of yield-generating opportunities right inside the app.
Why Earn offers higher yields than traditional banks
If you’ve ever parked your money in a savings account, you’ve probably seen returns like 0.5% to 1%, if you’re lucky. In crypto, earning opportunities are much more competitive.
With Earn, you’ll typically find APYs that far outpace traditional bank accounts. That’s because crypto markets offer new ways to put your assets to work through mechanisms like lending, staking, and providing liquidity, creating more competitive returns than banks usually offer.
Here’s a quick comparison:
Method | Typical yield |
Traditional savings account | ~0.5% APY |
Staking crypto | 3-12% APY (variable) |
Lending on DeFi protocols | 5-15% APY (based on market demand) |
High-yield vaults | 8-20%+ APY (with optimized strategies) |
🚨 Of course, higher rewards can come with higher risks. Always review the strategy details, risks, and APY before depositing.
How do crypto earning vaults work?
Vaults are smart contracts that automatically deploy your deposited tokens into yield-generating strategies on your behalf — things like lending, staking, or liquidity providing.
Instead of managing complex strategies yourself, the vault does the heavy lifting:
It optimizes for the best available yield.
It compounds your earnings where possible.
It adjusts strategies over time to maximize returns.
You simply deposit into the vault, and your balance grows with the native yield it generates. If additional token rewards are offered, you’ll see those too, ready to claim when you want.
Vaults make earning easy and automated, so you can grow your assets without constant management.
🧠 Have questions about these and other earning terms? Just ask! Your AI agent speaks your language and is here to help you understand crypto in the terms that make sense to you.
How to start earning with Pass App
Tap the Earn banner on your Wallet or Home screen
Select the token you want to grow (like USDC, ETH, or others)
Browse various yield options and see their APY and potential rewards
Deposit the amount you want
Track your earnings right from your wallet
Native yield vs token rewards
When you deposit into a strategy with Earn, you’ll earn what’s called native yield. This is the core return on your principal, usually paid in the same token you deposited (like earning more USDC when you deposit USDC). Native yield comes from the base activity of the protocol, like lending or staking, and it grows automatically in your balance.
Some strategies also offer additional token rewards on top of native yield. These are bonus incentives provided by the protocol or platform, typically in their own governance or utility tokens. You’ll see these extra rewards reflected in the app, along with a Claim button.
In short:
Native yield: Grows automatically — no action needed.
Token rewards: Claimed manually using the Claim button when available.
Both contribute to your overall earnings, but they’re handled a little differently in the app.
How to withdraw your earnings
Realizing your profits with Earn is easy. There are one or two steps, depending on what you’ve earned:
Withdraw your principal (and native yield):
Any native yield earned is automatically added to your deposited principal. When you withdraw an amount from a strategy, you automatically receive both your original principal plus any native yield you've earned. There’s nothing extra you need to do here.
Claim token rewards (optional):
If the strategy offers token rewards, those are separate from your principal. To withdraw them, simply tap the Claim button in the strategy view. This lets you collect any accumulated bonus tokens.
In short:
Withdraw = principal + native yield
Claim = bonus token rewards
This way, you stay in control of your earnings and can choose when to realize both types of profits.
Heads up: Both withdrawals and claims incur service and network fees. See a breakdown of the various fees in the next section 👇
Understanding fees with Earn
Every Earn strategy includes three types of fees, bundled into one seamless payment when you withdraw or claim rewards.
We believe in transparency, so you’ll always see fees upfront before you deposit. Plus, we cover the cost of your first five L2 transactions every day.
🎁 Free L2 transactions
We’ll cover the network (gas) fees for your first 5 L2 withdrawals or claims every day. That means you can move funds or claim rewards more often, without worrying about small fees stacking up.
Protocol fees
Each protocol sets its own fee for the strategy you’re using. These typically range from 5% to 20% of the yield earned, depending on the protocol, strategy type, and APY.
Pass App service fee
We charge a small 0.1% service fee, applied to withdrawals and claims.
(Example: if you claim $100 USDC, the Pass App service fee is only $0.10.)
Network fees (after your free transactions)
After your 5 free daily L2 transactions, standard network fees apply for withdrawals and claims. We’ll always show you an estimate before you confirm any transaction.
💡 You’ll see protocol fees and Pass App fees clearly listed in each strategy’s details, and every withdrawal or claim shows the full fee breakdown alongside your earnings. No surprises, ever.
What makes automated income smarter than passive income?
Traditional passive income strategies are often static. Once you stake or lend, you’re locked in—whether or not the market shifts. But with Pass App’s Earn, you get:
Dynamic opportunities: Easily find better APYs when market conditions change
Optimized strategies: Some vaults automatically rebalance and compound earnings
Effortless management: Withdraw or claim rewards whenever you want—all within the app
It’s smarter, faster, and fully integrated into your crypto wallet.
Are there risks involved with Earn?
Yes — as with any investment, crypto vaults come with risks. These can include smart contract vulnerabilities, protocol failures, and changes in market conditions that may impact your yields or principal.
It’s important to assess each strategy before depositing. You can review the risk breakdown for any vault by tapping “More info” in the About section of a strategy. This will take you to that vault’s page on Morpho. From there, scroll down to the Risks tab for full risk disclosures.
💡 Pass App makes it easy to discover smarter strategies, but you should always take a moment to understand what you’re opting into.
Understanding Morpho vault ratings
Morpho vaults are evaluated using Credora’s onchain credit rating system. This system provides a transparent score that helps you understand the relative risk of each vault based on real-time metrics, not vague promises.
In Earn, you’ll only see vaults with strong ratings of B– or higher, so you can earn confidently.
How the rating system works
Each vault receives a letter grade based on several risk factors, including:
Smart contract risk: Is the code secure and battle-tested?
Collateral quality: How stable and liquid are the assets backing the loans?
Lending platform risk: How reliable and resilient is the underlying protocol?
Loan book health: How diversified and overcollateralized are the borrowers?
Oracle trustworthiness: Are price feeds secure and tamper-resistant?
Vaults are rated from A+ (lowest risk) to D (highest risk). We only show vaults rated B– or above, helping protect you from vaults with higher risk exposure.
🧠 You can view the full rating methodology in Credora’s docs.
Coming soon: Even more ways to earn
We’re just getting started. Soon, you’ll see:
AI agent support for Earn
More DeFi protocols and networks supported
More lending opportunities on specific protocols
Staking opportunities for low-risk, steady returns
Multi-token strategies like liquidity providing
💰 With Earn, your crypto doesn’t just sit; it grows.