The USD Moneda Earnings Account leverages Morpho’s Spark USDC Vault on the Base blockchain. When you deposit USD, it is converted into USDC and supplied to Morpho. Borrowers on Morpho pay interest on their loans, and this interest is distributed to you as earnings. The EUR Moneda Earnings Account leverages Morpho’s Steakhouse EURC Vault, on the Base blockchain. When you deposit EUR, it is converted into EURC and supplied to Morpho. Borrowers on Morpho pay interest on their loans, and this interest is distributed to you as earnings. The rates you earn are dynamically determined by market supply and demand, providing a steady and transparent way to grow your funds.