The Moneda Earnings Account allows you to earn passive income by depositing fiat currency, which is converted into stablecoins and supplied to Morpho, a third-party decentralised financial (DeFi) lending platform. On Morpho, borrowers pay interest on their loans, and this interest generates the returns you earn on your deposits. Your balance grows automatically through real-time, auto-compound interest, and you can withdraw your funds and earnings at any time. The Moneda Earnings Account provides a clear view of your deposits, accrued interest, and average APY in real time.