Your USDC, always
earning.
UMYO automatically routes your deposits to the highest-yielding Morpho vault on Base — and rebalances whenever a better opportunity appears.
Current APY
8%+
via Morpho vaults on Base · updated live
As simple as it gets
Three steps. That's it.
Deposit
Connect your wallet and deposit USDC. You receive vUMYO — ERC-4626 receipt tokens representing your share of the vault.
Earn
UMYO continuously monitors Morpho vaults on Base and automatically rebalances toward the best available APY.
Withdraw
Redeem your vUMYO shares for USDC + accrued yield. No delay, no exit fee, no lock-up — anytime.
Why UMYO
Built to be trusted.
Non-custodial
Your funds never pass through our hands. UMYO is a smart contract on Base — no one can block or touch your deposits.
Fully automated
No manual rate monitoring. UMYO handles everything — watches, compares, rebalances — so your yield is always optimized.
ERC-4626 standard
vUMYO shares are composable tokens compatible with the entire DeFi ecosystem. Use them in other protocols or transfer freely.
No lock-up
Withdraw anytime, with no penalty and no delay. Your USDC + yield are available whenever you want them.
Powered by
Morpho Protocol
The most audited lending protocol on Base
Your USDC is sleeping.
It could be earning.
Join UMYO and start generating yield on your stablecoins — automatically, safely, on Base.
Deposit USDC →Wallet required · Works with MetaMask, Coinbase Wallet, Rainbow and 60+ others