How Oasis Vault earning works

When you put money in a regular bank, the bank lends it out and pays you a small share of the interest. Oasis Vault’s earning works on the same idea - except there’s no bank in the middle, and you can see exactly where your money is and what’s happening to it at all times.

What you’ll need

  • ✅ Oasis Vault mobile app installed
  • ✅ An active plan

The simple version

  • You deposit stablecoins - USDC or USDT - into a vault.
  • The vault lends those stablecoins to borrowers.
  • The borrowers pay interest.
  • That interest is added to your position automatically.
  • You can withdraw your stablecoins at any time.

Three things worth knowing

1. Your money is always yours

Earning doesn’t give anyone else control of your funds. Your position lives inside your vault, and you can deposit or withdraw whenever you like. Nothing is locked up.

2. The rate changes with the market

The interest rate you earn isn’t fixed. It rises and falls based on how much demand there is for borrowing, which is normal for this kind of lending. Oasis Vault shows you the current rate - shown as a yearly percentage (APY) - right in the app before you deposit, so there are no surprises.

3. You can see it all on-chain

The storage and lending happen through a protocol called Morpho. Everything is recorded on the Ethereum blockchain, which anyone can check. That’s the closest thing to a bank statement that can’t be quietly edited - you can always verify what’s happening for yourself rather than trusting a statement someone sends you.

How your money gets to work

When you deposit, your stablecoins are pooled with other depositors and lent to borrowers through Morpho. The shared pool, and the total value sitting in it, is displayed openly (shown as TVL - total value locked). Interest from borrowers flows into the pool and then to you and the other depositors.

Because it’s all on-chain and transparent, Oasis Vault doesn’t get to quietly change the terms. The market sets the rate, and you can see that rate along with everything else.

Why stablecoins?

Your earning position is in stablecoins, which are designed to hold a steady value (one USDC or USDT aims to stay worth roughly one dollar). That means you’re earning interest without taking on the price swings you get with volatile assets - the yield is the point, not hoping the currency itself goes up.

Still have questions?

If anything about earning is unclear, reach out to us through the chat in the Oasis Vault app, and we’ll walk you through it.