Put stablecoins
to work, automatically
Ditto Earn is a suite of non-custodial stablecoin vaults. Deposit USDC on Ethereum or MUSD on Mezo, and Ditto's execution network allocates it across vetted lending venues and keeps it there — you hold the shares, and you can withdraw under the vault's published rules.
What is Ditto Earn
Ditto Earn is the depositor side of Ditto Network. You deposit a stablecoin and receive a share token that represents your position; the vault earns yield automatically while the token stays in your wallet. The same restaking-secured operators that run cross-chain automation for developers rebalance these vaults, post prices on chain, and settle withdrawals. Ditto never takes custody of your funds — they stay in the vault contracts.
- 01 — Deposit a stablecoin, receive a share token
- 02 — Ditto allocates and rebalances automatically
- 03 — Withdraw under the vault's published rules
Yield Split Vault
USDC on Ethereum
An ERC-4626 vault that spreads USDC across Aave V3, Spark, Fluid and two Morpho vaults, reallocating on realized lending rates recorded on chain. Your position is represented by ysUSDC. Withdrawals are instant once five minutes have passed since that wallet's last deposit.
View the vault- Deposit asset — USDC on Ethereum
- Share token — ysUSDC (ERC-4626)
- Venues — Aave V3, Spark, Fluid, Morpho
- Withdrawals — instant after a 5-minute lock
- Fees — no management fee; 3.75% on yield above the high-water mark
Ditto MUSD Savings Vault
MUSD on Mezo
Earn an Ethereum lending rate without leaving Mezo. The vault swaps MUSD to USDC, bridges it to Ethereum and supplies it to Spark Savings, keeping a buffer of MUSD on Mezo so withdrawals can be paid quickly. Your position is represented by dMUSD. Withdrawals are requested rather than instant: a request joins a batch that closes at 100 MUSD queued or 24 hours after opening, and you claim once it settles.
View the vault- Deposit asset — MUSD on Mezo
- Share token — dMUSD (async redeem)
- Yield source — Spark Savings USDC on Ethereum
- Withdrawals — batched, usually settled within a day
- Fees — no deposit or withdrawal fee
- Gas on Mezo is paid in BTC, not in MUSD
Why depositors use Ditto Earn
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Non-custodial by design
Your deposit sits in the vault contract and your shares sit in your wallet. Ditto operates the strategy; it never holds your funds and cannot withdraw them to itself.
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Allocation you don't have to manage
Moving between lending venues manually costs gas and attention. Ditto's operators reallocate on realized on-chain rates, so you aren't monitoring rate screens yourself.
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Standards-compliant vaults
The Yield Split Vault is ERC-4626, so ysUSDC works with wallets, dashboards and DeFi integrations that already speak the standard.
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Guards that fail closed
Vault operations are bounded by on-chain price guards. If a guard's data goes stale, the vault refuses the operation rather than acting on a stale price.
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Cross-chain yield without the bridging
The MUSD vault reaches an Ethereum lending rate from Mezo. The swap, the bridge and the return trip are the vault's job, not yours.
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Priced on chain, readable by anyone
Share price, holdings and allocations are on-chain reads. You can verify what the vault is doing without trusting a dashboard.
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Secured by the execution network
The operators that rebalance the vaults and post prices are the same restaking-secured set that runs cross-chain automation for developers building on Ditto.
Offer Ditto Earn in your own app
The vaults are available white-label. Partners can surface Ditto Earn inside their own product and keep their own branding and user relationship, while Ditto runs the strategy and the reporting underneath. A REST data API is live today; an embeddable React widget is in private beta.
Talk to us- REST data API — live, token authenticated
- React widget SDK — private beta
- Your brand, your users, Ditto's execution
- Managers building their own vaults — see Ditto Yield OS
What to know before you deposit
Yields come from third-party lending markets and vary — nothing here is a fixed or guaranteed rate. A vault's share price can fall as well as rise: moving funds between chains costs bridge and swap fees, and those costs come out of the share price, so a vault can sit below its starting price while those costs are being earned back. Withdrawals from the MUSD vault are batched rather than instant. Read the documentation before depositing.
Read the documentation- Rates vary — no fixed or guaranteed yield
- Share prices can fall as well as rise
- Bridge and swap costs are borne by the vault
- MUSD withdrawals settle in batches
- Smart contract risk applies, as with any DeFi protocol
Build on Ditto Earn
Embedding the vaults in your product, or launching one of your own? Tell us what you're building and we'll take it from there.
Talk to usPrefer email?
[email protected]
Partner integrations and white-label deployments are scoped directly with the team.
Ditto Earn FAQ
Open Ditto Earn-
What is Ditto Earn?
Ditto Earn is a suite of automated, non-custodial stablecoin vaults built on Ditto Network. You deposit a stablecoin, receive a share token that represents your position, and the vault earns yield automatically by allocating to established lending markets.
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Which vaults are available today?
Two. The Yield Split Vault takes USDC on Ethereum and spreads it across Aave V3, Spark, Fluid and Morpho. The Ditto MUSD Savings Vault takes MUSD on Mezo and earns the Spark Savings rate on Ethereum.
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Is Ditto Earn custodial?
No. Deposits stay in the vault contracts and your share tokens stay in your wallet. Ditto operates the strategy within on-chain constraints and cannot move funds to itself.
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How does the Yield Split Vault earn yield?
It supplies USDC to lending venues — Aave V3, Spark, Fluid and two Morpho vaults — and reallocates based on realized lending rates recorded on chain. The yield is the lending interest those venues pay, minus the performance fee.
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How does the Ditto MUSD Savings Vault work?
You deposit MUSD on Mezo. The vault swaps it to USDC, bridges it to Ethereum and supplies it to Spark Savings, keeping a buffer of MUSD on Mezo to pay withdrawals quickly. The rate you earn reflects the portion of the vault actually deployed, so it is not identical to the headline Spark rate.
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How quickly can I withdraw?
It depends on the vault. Yield Split withdrawals are instant once five minutes have passed since that wallet's last deposit. MUSD withdrawals are requested and settled in batches: a batch closes at 100 MUSD queued or 24 hours after it opens, and you claim afterwards — minutes later if the Mezo buffer covers it, otherwise once funds return from Ethereum.
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What fees does Ditto Earn charge?
The Yield Split Vault charges no management fee and a 3.75% performance fee on yield above the high-water mark. The MUSD vault charges no deposit or withdrawal fee; bridge and swap costs are paid by the vault and are reflected in the share price.
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Do I need BTC to use the MUSD vault?
Yes — a small amount. Gas on Mezo is paid in BTC rather than in MUSD, so you need a little BTC on Mezo to deposit, request a withdrawal or claim. This catches people out, so it is worth checking before you start.
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Can I offer these vaults in my own app?
Yes. The vaults are available white-label, with a live REST data API for balances, prices and allocations. An embeddable React widget is in private beta. Get in touch to discuss integration.
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What are the risks?
Yields vary and are never guaranteed. Share prices can fall — bridge and swap costs come out of the share price, so a vault can trade below its starting price. MUSD withdrawals are not instant. Smart contract risk applies, as it does to any DeFi protocol. Read the documentation before depositing.
Explore what else can be built with Ditto.
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