Earn optimized lending yields with Morpho. Peer-to-peer matching for better rates than traditional pools.
LendingIntermediate15-25 minutes6 stepsPrerequisites: Assets to lend, ETH for gas, Understanding of lending basics
On this page
Quick Overview
1Go to Morpho
2Choose Market
3Review Rates
4Enter Amount
5Approve and Supply
6Monitor Position
Morpho is an optimized lending protocol that matches lenders and borrowers peer-to-peer for better rates than pool-based protocols like Aave or Compound.
How Morpho Works
Traditional lending pools average all rates. Morpho matches individual lenders with borrowers for optimal rates, with pool as fallback.
Rate Improvement:
Protocol
Supply APY
Borrow APY
. . . . .
. . . . . .
. . . . . .
Aave Pool
3%
5%
Morpho Matched
4%
4%
Improvement
+33%
-20%
Morpho Products
Morpho Aave: Built on Aave liquidity
Morpho Compound: Built on Compound
Morpho Blue: New modular lending
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Step-by-Step Instructions
1
Go to Morpho
Visit app.morpho.org and connect your wallet.
Tips
✓Morpho Aave vs Compound vs Blue
✓Blue is newest and most flexible
2
Choose Market
Select which asset to supply. Compare rates across markets.
Tips
✓Check P2P matching rate
✓Higher matched % = better rate
3
Review Rates
Compare Morpho rate vs underlying protocol. See potential improvement.
Tips
✓P2P rate shown when matched
✓Pool rate as fallback
4
Enter Amount
Enter how much to supply. No minimum deposit.
Tips
✓Can supply any amount
✓Check gas cost vs deposit size
5
Approve and Supply
Approve token spending, then confirm supply transaction.
Tips
✓One-time approval per token
✓Gas varies with network conditions
6
Monitor Position
Check your position for P2P matching status and rate.