> For the complete documentation index, see [llms.txt](https://docs.degate.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.degate.com/features/simple-earn.md).

# Simple Earn

Simple Earn is a service for generating yield by depositing USDC or SOL into curated vaults powered by established DeFi protocols, without needing to understand complex farming strategies. DeGate charges no fees on Simple Earn: all yield goes to you.

* **Established underlying protocols.** Vaults connect to Morpho (on Ethereum) and Kamino (on Solana), both established, audited DeFi lending and yield protocols. The live vault list is in the app.
* **Multi-chain deposits.** Deposit USDC from any supported chain instantly; the system manages balances across networks with no manual bridging. On Solana you can also deposit SOL (via the Kamino Jito Market).
* **Simplified yield management.** From the initial deposit to claiming rewards, the dashboard lets you track and manage earnings at a glance.

## What returns to expect

APYs typically range from 3% to 8%, and can reach 10%+ during favorable market conditions. APYs are variable; past performance does not guarantee future returns.

## FAQ

**Where does the yield come from?** From the underlying Morpho and Kamino vault strategies. The yield is generated by those protocols' lending markets, not by DeGate.

**What does Simple Earn cost?** Nothing from DeGate: no deposit, withdrawal, or performance fees. All yield goes directly to the user.

**Can I withdraw at any time?** Yes. You can deposit and withdraw anytime; there is no lock-up period.

**Do I give up custody when I deposit?** Deposits go into the selected vault's smart contracts, authorized by your key. DeGate does not take custody of your funds itself; the position carries the risk profile of the underlying protocol.


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