Stablecoins in trading platforms' Flexible Term? That interest is not even enough to feed a dog.

If you have USDC, DAI, or other idle coins, today I’ll teach you a trick—use Morpho to maximize your returns. Don’t think it’s complicated; just follow the steps, and you’ll be done in ten minutes.

**Before starting, prepare three things:**

- Wallet installed (mainstream ones like MetaMask work)
- ETH for Gas fees (a few dozen dollars will last a long time)
- Your stablecoin principal (USDC or similar)

**Step 1: Connect your wallet**

Open the Morpho official website in your browser and authorize wallet connection. There’s nothing special about this step.

**Step 2: Choose the market**

Once inside, you’ll see a list of assets. Find the coin you want to deposit, like USDC, and pay attention to two numbers:

- Borrow Interest Rate: 5.2% (the cost paid by borrowers)
- Deposit Interest Rate: 4.8% (the return you can earn)

Wait, deposit rate higher than borrow rate? That’s correct. This is the magic of Morpho—it has already optimized the interest rates for you. This 4.8% is higher than directly using Aave. The page will show how much higher it is.

**Step 3: Deposit your money**

Click the “Supply” button next to USDC.

The first time you do this, you need to approve (Approve) the transaction. A wallet popup will ask you to confirm, granting permission for the contract to move your USDC. After approval, click again to deposit, enter the amount, and confirm the transaction.

After paying the Gas fee, your stablecoins will start earning interest at the optimized rate. The returns increase every second, and you can withdraw at any time.

Don’t let your stablecoins just sit there sleeping. This operation isn’t complicated, but the returns can outpace traditional platforms by a mile.