§II.III — Yield · Morpho Blue · Coinbase Base

Every dollar.
Every block.
5.20% APY.

Powered by Morpho Blue on Coinbase Base. No lockup, no minimum balance, no subscription required. Yield is credited on every block — approximately every two seconds — and compounds continuously.

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Current APY
5.20%
Minimum balance
$0
Lockup period
None
Block time
< 2s
§I
Live rate
Current yield

The current yield rate. Live.

The yield rate is set by market conditions on Morpho Blue. It updates continuously. The rate shown is the annualized yield you earn on your full USDC balance, credited block by block.

Current Yield · Denaro Pay · Morpho Blue Live
5.20%
Accrued today since 00:00 EDT on $128,412 balance +$36.44
§II
How it works
Morpho Blue

Permissionless lending markets on Base.

Denaro Pay routes idle USDC into vetted Morpho Blue lending markets on Coinbase Base. Your capital is lent to overcollateralized borrowers. You earn the lending yield. Your funds are non-rehypothecated.

Yield sourceMorpho Blue — permissionless lending markets
Settlement networkCoinbase Base L2
Current APY5.20%
Compounding frequencyEvery block — approximately every 2 seconds
Minimum balanceNone
Lockup periodNone — withdraw anytime
Subscription requiredNone
RehypothecationNever — non-rehypothecated
Borrower collateralizationOvercollateralized
Yield opt-in requiredNo — automatic on all idle balances
Yield fee charged to userNone
Yield available for spendingImmediately — same balance as wallet
§III
Compounding
What 5.20% earns

What your balance earns at 5.20% APY.

Continuously compounded interest accruing every block, starting the moment your USDC lands in your wallet. No action required.

BalancePer yearPer month
$1,000$52.00$4.33
$5,000$260.00$21.67
$10,000$520.00$43.33
$25,000$1,300.00$108.33
$50,000$2,600.00$216.67
$100,000$5,200.00$433.33
$250,000$13,000.00$1,083.33

Estimates based on 5.20% APY continuously compounded. Actual yield varies with market conditions. Past yield is not indicative of future yield.

§IV
Features
Why it is different

No gotchas. No subscriptions. No lockup.

No lockup
Spend, send, or withdraw anytime
Your USDC is never locked. Every dollar earning yield is the same dollar you can spend on your Visa card, send to another wallet, or withdraw via Airwallex — at any moment, without waiting.
No minimum
Earns on every cent
There is no minimum balance required to earn yield. Whether your balance is $1 or $1,000,000, every dollar earns at the same 5.20% APY, compounding on every block.
Non-rehypothecated
Your capital, your risk profile
Denaro Pay never rehypothecates your USDC. Your funds are lent once, directly, into overcollateralized Morpho Blue markets. They are not staked, re-lent, or used for any other purpose.
Per-block accrual
Credited every ~2 seconds
Yield is credited to your balance on every Base block — approximately every two seconds. You can watch your balance grow in real time in the app. No monthly payout delays.
Continuous compounding
Interest on interest, always
Because yield is credited every block and immediately added to your balance, it compounds continuously. Over a year, this produces slightly more than simple 5.20% interest.
No subscription
Free with your account
Yield is included in every Denaro Pay account at no cost. You do not need to opt in, toggle a feature, or pay a premium tier. It is on by default the moment your wallet is funded.
5.20%

On every dollar. No lockup. No minimum. No subscription. Starting the moment your wallet is funded.

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