Earn and borrow

Open the DeFi tab, then choose Earn or Borrow at the top.

DeFi carries risk

Staking and lending use third-party protocols. Yields change, withdrawals can take time, and borrowing positions can be liquidated. Nothing in M5wallet is financial advice.

Earn

1. Under All assets, choose an asset, then pick a protocol in Select protocol. The protocol’s page shows its APY and TVL.

2. Select Deposit, enter the amount, and select Continue, or Approve and Deposit if the token needs an approval first.

3. Check the transaction on Transaction confirm and confirm it.

Your deposits appear under Positions, with their Deposited and Claimable amounts.

Withdraw and claim

Select Manage on a position, then Withdraw or Unstake. For ETH staked with Lido, you first sign a permit, then the withdrawal waits in Lido’s queue. When the position shows Ready to claim, select Claim.

Borrow

Borrow uses Aave. You supply assets as collateral, then borrow against them.

• Assets to Supply: select Supply next to an asset. Tokens take an approval step first. Supplying native ETH isn’t supported yet.
• Assets to Borrow: select Borrow next to an asset, up to the amount shown as Available.
• My Supply and My Borrow let you Withdraw collateral and Repay loans.

Watch your Health Factor. If it falls too low, your collateral can be liquidated.