MetaMask Money Account Rewards: Earn Up to 6% APY & 3% Card Cashback

⚡ Quick Summary & Key Details

• Product Type: Self-Custodial Yield & Spending Account (Inside MetaMask)

• Native Asset: mUSD (Dollar-backed stablecoin issued by Bridge/Stripe via M0 protocol)

• Max Yield: Up to 6% Variable APY on mUSD balances

• Card Cashback: Up to 3% Cashback in mUSD on eligible purchases

• Lockup Period: 0 Days (100% Fully Liquid / Instant Withdrawals & Spending)

• KYC Requirement: No KYC required to hold or earn mUSD; KYC is only required for Fiat On-Ramps & MetaMask Card.

• Supported Networks: Ethereum, Linea, Monad

🦊 What is MetaMask Money Account?

MetaMask Money Account is a self-custodial account built directly into the MetaMask wallet. Unlike traditional crypto wallets where idle balances earn zero interest, Money Account automatically generates a variable yield on your mUSD balance without locking up your funds.

The core advantage is that your funds remain 100% liquid. You can earn APY continuously while retaining the ability to transfer, trade, or spend your balance using the MetaMask Card at any given moment.

🛡️ How It Works Behind the Scenes

• Yield Generation: Yields are generated by routing funds into established DeFi lending markets—such as Aave and Morpho—via Veda Smart Contracts.

• mUSD Security & Backing: mUSD is a dollar-pegged stablecoin issued by Bridge (a Stripe company) using the M0 protocol. Every token is backed 1:1 by US Dollars and short-term US Treasury bills held in regulated custody.

💳 MetaMask Card & Cashback Rewards

Connecting your MetaMask Money Account to the MetaMask Card unlocks direct crypto spending with automated rewards:

• Virtual Card: Earns 1% Cashback paid in mUSD on eligible daily purchases.

• Metal Card: Earns 3% Cashback on the first $10,000 spent annually, returning to 1% thereafter.

• Auto-Compounding: All cashback rewards deposit automatically into your Money Account to start earning APY immediately.

🛠️ Step-by-Step Guide: How to Start Earning

Step 1: Set Up or Update MetaMask

1. Download or update your MetaMask Mobile App or Browser Extension to the latest version.

2. Store your Secret Recovery Phrase offline securely (never input it on any external website).

Step 2: Add Funds to Money Account

1. Open MetaMask and navigate to the Money Account tab.

2. Click Add and choose your preferred method: convert existing stablecoins (USDC/USDT) to mUSD, or buy mUSD directly via card/bank transfer.

3. Once the transaction confirms, your mUSD balance begins earning up to 6% APY automatically.

Step 3: Utilize Swaps, Perps & Rewards

1. Use your active mUSD balance directly across integrated DeFi tools, including Swaps, Perps, and Prediction Markets.

2. Check the MetaMask Rewards section to track active quests, points, and account tier perks.

🪂 Potential Airdrop Eligibility

While MetaMask has not officially confirmed a token release, active usage of native features—such as Money Account deposits, Linea network transactions, Swaps, and MetaMask Rewards—remains one of the strongest ways to position a wallet for potential future ecosystem rewards ($MASK / $LINEA).

⚠️ Disclaimer: All cryptocurrency investments and DeFi yield products carry smart contract and market risks. Conduct thorough due diligence (DYOR) before committing funds.