Connect your crypto wallet
MetaMask, Coinbase Wallet, or any WalletConnect-compatible option. Tap connect, approve the signature, done. No registration, no email, no selfie with a passport — a wallet is the only thing you need.
Live on 4 chains · Non-custodial · Audited
Moonwell — DeFi Crypto Lending, Swaps & Yield Vaults
Idle crypto is wasted crypto. Drop USDC into a lending pool at 7.3 % APY, let a vault auto-compound while life happens, or swap tokens in two seconds flat. Stake WELL for governance rewards on top. Four chains, one interface — and the private keys stay with you.
$430M+Value Supplied
56Active Markets
4Blockchains
Halborn Audited
Certora Verified
Code4rena Bounty
Base
OP Mainnet
Moonbeam
MoonriverGetting Started
How Moonwell DeFi Works — Start in Under a Minute
Swap tokens or supply assets
Trade tokens at the rate on screen — no order books, no haggling. Or deposit into a lending pool and start collecting interest from the same block your transaction lands.
Earn yield & manage positions
Put funds into a vault and let the curators handle strategy. Stake WELL for governance rewards. Borrow against your collateral when you need liquidity. Pull out whenever — nothing is locked.
Lend & Borrow
Moonwell DeFi Lending Markets — Up to 7.3 % Supply APY
56 live pools across four networks. Every row below shows real-time rates — deposit to earn interest or borrow against collateral. No lock-ups, withdraw on demand.
| Asset | Network | Supply APY | Borrow APY | Total Supplied | |
|---|---|---|---|---|---|
 USDCUSD Coin · $0.99 | Base · Core | 7.3% | 7.5% | $53.66M | Supply |
 cbBTCCoinbase BTC · $110,138 | OP Mainnet | 0.2% | 0.7% | $59.99M | Supply |
 ETHEthereum · $3,876 | Base · Core | 1.0% | 0.4% | $52.00M | Supply |
 AEROAerodrome · $1.07 | Base · Core | 1.8% | 6.7% | $25.92M | Supply |
 WELLMoonwell · $0.01 | Moonbeam | 0.7% | 0.1% | $3.82M | Supply |
 VIRTUALVirtuals · $1.77 | Moonriver | 5.8% | 13.6% | $5.65M | Supply |
Earn · Automated Yield
Moonwell Yield Vaults — Automated DeFi Compounding
You deposit once. A curator finds the best rates across Moonwell's lending pools, moves your capital there, and reinvests the interest automatically. Over $94 M already in across three vaults on Base.
Flagship ETH
For people who plan to hold ETH anyway. Auto-managed strategy on Base that puts your ETH to work.
2.3% APY
$33.56M depositedDeposit →
Flagship USDC
Stablecoin yield without the price swings. The most popular vault on Moonwell — $51M and counting.
6.7% APY
$51.33M depositedDeposit →
Flagship EURC
Earn in euros, stay in euros. Made for those who think in € not $.
3.2% APY
$9.58M depositedDeposit →
Governance & Staking
Stake WELL Token — Earn Up to 9.5 % APR
Lock WELL, earn staking rewards, and get a vote on every protocol decision. Over 932 M tokens already locked across all four networks. A 7-day cooldown applies before unstaking — that's the trade-off for the APR.
9.5%WELL · Base
6.5%WELL · OP
4.7%WELL · Moonbeam
8.1%MFAM · Moonriver
Multichain DeFi
Cross-Chain DeFi on Four Blockchain Networks
Rates shift between chains all the time. On Moonwell you can follow them — switch networks in one click without creating a new account or moving funds through a bridge.
BasePrimary hub · sub-cent gasOP MainnetOptimism Layer 2MoonbeamPolkadot parachainMoonriverKusama canaryWhy Moonwell
Non-Custodial, Audited, Secure — Why Moonwell
The protocol handles lending logic; private keys and asset custody stay entirely on the user side.
Non-custodial — you hold the keys
Assets never touch a central server. Every interaction runs wallet-to-contract on-chain. The protocol can't move funds, freeze accounts, or block a withdrawal.
Low gas fees, instant finality
Two-second confirmations. Gas under a penny. On Base and OP Mainnet, even small positions make economic sense — the fees don't eat your returns like they do on mainnet Ethereum.
Smart contract audits & bug bounty
Halborn went through the code line by line. Certora proved it correct mathematically. Code4rena pays independent researchers to find anything those two missed. Three separate teams, three different approaches, before a single dollar enters the contracts.
Cross-chain — Base, Optimism, Moonbeam, Moonriver
One wallet works on every supported chain. Spot a better rate elsewhere? Switch networks in one click — no new sign-up, no separate account.
Automation
Mamo — Automated DeFi Compounding Engine
Mamo monitors open positions, harvests rewards, reinvests them and rebalances when rates shift — all while custody stays with the wallet owner.
What Mamo does
Set the strategy — which asset, how aggressively. Mamo compounds interest, rebalances across pools and harvests rewards. Assets remain in the connected wallet throughout.
USDC on every chain
Got stablecoins not doing anything? Put them on any of the four networks. No minimum deposit, no lock-up period — withdraw anytime.
XRP → cbXRP → yield
Have XRP? Bridge it to Base as cbXRP and put it to work earning lending interest. Still liquid, still yours, now productive.
FAQ
Moonwell FAQ — DeFi Lending, Swaps, Vaults & Staking
Straight answers about how the protocol works, what it costs and what to watch out for.
What is Moonwell DeFi protocol?
A set of smart contracts on the blockchain that let anyone swap tokens, lend crypto for interest, borrow against it, earn automated vault yields and stake WELL. No intermediaries, no gatekeepers. The protocol runs across four chains, and over $430 M has already been supplied.
How do I swap crypto on Moonwell?
Pick what you're selling, pick what you're buying, type the amount. The rate shows up instantly — no haggling, no order books. Hit confirm in your wallet, and the tokens land in about two seconds. Gas on Base costs less than a penny.
Which tokens and blockchains does Moonwell support?
The heavy hitters are all here — ETH, USDC, USDT, DAI, WBTC, cbBTC, AERO, WELL, EURC, MORPHO. Across four chains, that adds up to 56 different lending markets. New tokens get added through community governance votes.
How can I earn yield on Moonwell?
Three ways. Supply crypto to a lending market — USDC on Base is paying 7.3 % right now. Or toss funds into a Flagship vault and let a curator auto-compound for you (USDC vault does 6.7 %). Or stake WELL and earn up to 9.5 % APR in WELL rewards. Mix and match as you like.
What's the difference between supplying and borrowing?
Supplying = you deposit crypto and earn interest on it. That deposit also counts as collateral. Borrowing = you take a loan against that collateral and pay interest on the loan. You keep both the collateral and the borrowed funds — withdraw or repay whenever you want, no schedule.
What are Moonwell's fees?
Moonwell itself charges nothing — zero platform fees. The only cost is standard blockchain gas, which on Base and OP Mainnet runs under a cent. Borrowers pay interest on their loan, and every rate is visible in real time before the confirm button. No hidden anything.
Is Moonwell safe and non-custodial?
Moonwell is non-custodial — your crypto sits in smart contracts, not somebody's company wallet. Those contracts have been torn apart by Halborn Security auditors, mathematically verified by Certora, and there's a standing Code4rena bounty paying hackers to find bugs. Is anything in crypto 100 % safe? No. Is this about as hardened as DeFi gets? Yes.
What is WELL token staking?
WELL is Moonwell's own token. Stake it and you earn more WELL — up to 9.5 % APR on Base. You also get voting power over protocol decisions. The catch: there's a 7-day cooldown before you can unstake, and in a worst-case scenario (a protocol shortfall), some staked WELL could get slashed. Right now 932 M+ WELL is staked — about $14.65 M worth.
Do I need an account or KYC to use Moonwell?
No. No account, no email, no ID scan, no KYC. Browse everything without connecting a thing. Ready to act? Plug in a wallet and sign the transaction — that's the entire onboarding.
What are Moonwell Flagship yield vaults?
Think of them as managed funds, but on-chain and fully trustless. A professional curator takes your deposit, spreads it across the best lending pools, auto-compounds the interest and rebalances when rates shift. You sit back. Right now the USDC vault is at 6.7 % APY with $51 M in it, ETH vault at 2.3 % with $33 M, and EURC vault at 3.2 % with $9.5 M.
Moonwell DeFi Protocol — Crypto Lending, Swaps, Yield Vaults & WELL Staking
What is Moonwell?
Moonwell is an open-source DeFi protocol for crypto lending, token swaps, automated yield vaults and WELL governance staking. It operates across Base, OP Mainnet, Moonbeam and Moonriver with a fully non-custodial architecture — smart contracts hold the assets, not a company. More than $430 M has been supplied across 56 active markets, all accessible from a single wallet without registration.
Crypto lending and borrowing on Moonwell
The mechanism is straightforward. A supplier deposits USDC (or another supported asset) into a lending pool. Borrowers draw from that pool and pay interest, which flows back to suppliers — USDC on Base currently yields 7.3 % APY. Every deposit doubles as collateral, so a supplier can later borrow against it without selling. Rates are algorithmic: high utilization pushes rates up to attract more capital, low utilization brings them down. No manual rate-setting, no committees.
Automated yield vaults — USDC, ETH, EURC
Flagship vaults abstract away pool selection and rate-chasing. A depositor puts in a single asset; a professional curator allocates it across the highest-performing lending pools, auto-compounds the interest and rebalances when conditions shift. The USDC vault currently pays 6.7 % APY with $51 M deposited, the ETH vault runs at 2.3 % ($33 M), and the EURC vault targets euro-denominated yield at 3.2 % ($9.5 M). All three operate on Base.
WELL token staking and governance
WELL is Moonwell's governance token. Stakers earn additional WELL (up to 9.5 % APR on Base) and gain voting power over protocol changes — new market listings, rate model adjustments, treasury allocations. Staked WELL (stkWELL) also serves as a backstop: in a Shortfall Event, a portion can be slashed to cover protocol losses. That risk-reward trade-off is the reason the APR exists. Current stake totals 932 M WELL, roughly $14.65 M.
Security audits and self-custody design
Halborn Security performed a manual audit of the codebase. Certora added formal verification — mathematical proofs that the contracts behave correctly under every possible state. A standing Code4rena bug bounty incentivizes independent researchers to find anything the first two layers missed. Three separate review methodologies. The non-custodial design adds a fourth safeguard: even a compromised front-end cannot move funds, because only the connected wallet can authorize transactions.
Supported networks — Base, Optimism, Moonbeam, Moonriver
Base serves as the primary hub — cheapest gas, deepest liquidity, most markets. OP Mainnet taps into the Optimism Superchain ecosystem. Moonbeam operates as a Polkadot parachain for cross-ecosystem reach. Moonriver is the Kusama canary network where new features get battle-tested first. A single wallet address works on all four — no separate accounts needed.