Turn your money on

MetaMask Money Account is a self-custodial account built into MetaMask that earns up to 4% variable APY* on deposited funds—with no lockups, no withdrawal penalties, and no account fees. When you deposit a supported stablecoin (USDC, USDT, or DAI) or aTokens into a Money Account, it converts to mUSD, MetaMask's dollar-backed stablecoin, with no conversion fees. You can also deposit any token into a Money Account, with a conversion fee. Your Money Account balance (mUSD) stays available to trade, send, and earn—or spend anytime via MetaMask Card, across hundreds of millions of Mastercard merchants worldwide.

You have full control over your Money Account. MetaMask is a self-custodial wallet, meaning only the account holder's Private Keys control the mUSD held in the Money Account. MetaMask cannot access, freeze, or move any Money Account balance. This is a core difference from traditional bank accounts and custodial crypto platforms, where a third party holds funds on behalf of the user.

MetaMask Money Account is free to open. Stablecoin to mUSD conversions are at 1:1 parity with no conversion fees. The APY shown in the Money Account is the net rate you earn. All product fees—distributed among MetaMask, Veda, and Steakhouse—have already been deducted. For details on MetaMask Card transaction fees, ATM withdrawal fees, and fiat offramp costs, see the full fee breakdown inside MetaMask.

MetaMask is a self-custodial wallet—only you control your Private Keys and funds. MetaMask cannot access, freeze, or move your balance. mUSD itself is backed 1:1 by US dollars and short-term US Treasury bills held in regulated custody by Bridge (a Stripe company). However, like all DeFi-based products, Money Account carries risks, including smart-contract failures, protocol exploits, liquidity shortages, third-party failures and legal or regulatory restrictions. The APY is variable and not guaranteed, and there is a risk of loss. The Money balance (mUSD) is not insured by the FDIC or any government agency. Please refer to the Disclaimer below.

Yes. Your mUSD is never locked. You can trade, send, spend, or withdraw your full balance at any time with no notice periods, no penalties, and no withdrawal fees from MetaMask. If liquidity is tight, there may be temporary delays.

No. MetaMask Money Account is not a bank account, savings account, regulated investment product or portfolio-management service. It's a self-custodial account that earns variable DeFi yield through third-party DeFi platforms that deploy funds in blockchain protocols. The balance of mUSD remains instantly available to spend via MetaMask Card at hundreds of millions of Mastercard merchants, trade through MetaMask's built-in features, send to any compatible wallet, or withdraw at any time. The balance is not held by a bank, not insured by the FDIC, and not subject to traditional banking regulations or protections.

There's no minimum deposit amount. You can add any amount to your Money Account, starting from as little as a fraction of a dollar.

The Money Account balance (mUSD) can be used to earn variable APY, spend via MetaMask Card at hundreds of millions of merchants, trade through MetaMask's built-in features (including, subject to regional restrictions, swaps, tokenized real-world assets, prediction markets, and perps), earn through DeFi staking or lending, or send to any compatible wallet address. All of these actions are available from the same balance without needing to move funds between separate accounts.

Yes. You can send mUSD to any of your wallet addresses or move it into trading positions directly within MetaMask. Transferring mUSD out of the Money Account to an external wallet removes access to the variable APY.

MetaMask Money Account is available globally except in the following regions: the UK, countries on the USA sanctions list.

1. Open MetaMask and tap Money on the home screen

2. Tap Add and choose a funding method:

   1. Convert an existing stablecoin to mUSD

   2. Buy mUSD with a card or bank account

   3. Transfer mUSD from another wallet

3. Enter the amount

4. Confirm the transaction

Your Money Account starts earning automatically once funded.

Opening a Money Account and holding mUSD does not require identity verification. However, certain MetaMask features—including MetaMask Card and Ramps— require KYC (Know Your Customer) verification as required by applicable regulations. These checks are carried out by the third-party providers that operate these regulated services, not by MetaMask. If needed, you will be guided through the process inside the app during sign-up.

Neither in the traditional sense. MetaMask Money Account is not a bank or payment account, savings account, regulated investment product or portfolio-management service. It is a self-custodial account inside MetaMask that earns variable DeFi yield through third-party DeFi platforms that deploy funds in blockchain protocols. The balance of mUSD remains instantly available to spend via MetaMask Card, trade through MetaMask's features, or send to any compatible wallet.

Withdrawals process immediately, subject to standard network confirmation times on the relevant blockchain. If liquidity is tight, there may be temporary delays.

MetaMask USD (mUSD) is a dollar-pegged stablecoin issued by Bridge (a Stripe company) and powered by the M0 protocol. Each mUSD token is backed 1:1 by US dollars and short-term US Treasury bills held in regulated custody, meaning 1 mUSD always equals $1. Your Money Account balance displays as a dollar amount inside MetaMask, but it runs on mUSD under the hood. Because mUSD is a standard blockchain token, you can also hold and transfer it in any compatible wallet.

mUSD is a supported token on Ethereum Mainnet, Linea, and Monad.

mUSD, USDC, and USDT are all dollar-pegged stablecoins, but they differ in backing, issuer, and integrated features. mUSD is issued by Bridge (a Stripe company), backed 1:1 by US dollars and short-term Treasury bills, and powered by the M0 protocol. Its key differentiator is native integration with MetaMask Money Account: holders earn up to 4% variable APY* and can spend via MetaMask Card with up to 3% cashback—features not available with USDC or USDT in a standard wallet.

*See Important Disclosures below.

Yes. mUSD can be held in any compatible wallet. However, the variable APY and integrated MetaMask Card spending features are exclusive to the Money Account inside MetaMask. Holding mUSD in an external wallet means these benefits do not apply.

Yes. mUSD is a standard blockchain token, so you can send it to any compatible wallet address at any time. There are no restrictions, approval steps, or send limits on peer-to-peer transfers.

MetaMask Money Account earns up to 4% APY.* The rate is variable and fluctuates with market conditions. The current rate is always visible inside the Money Account.

Start earning as soon as you add funds and opt in to the Money Account feature. There is no waiting period or minimum holding time.

Yes. The APY is variable and may go up or down depending on market conditions. It is never fixed or guaranteed. The current rate is always displayed inside the Money Account, so you'll always know what you're earning.*

When funds are deposited into a Money Account, these assets go into a third-party smart contract vault. The vault interacts with established DeFi protocols, for example, lending markets like Aave and Morpho, where they earn returns from real economic activity, primarily interest paid by borrowers. Any resulting returns, after applicable protocol costs and product fees, show up as APY. These rewards are calculated based on the amount allocated, and the time these assets remain allocated for.

The set of protocols the vault uses is restricted to a pre-defined list enforced by the smart contract itself. A third-party service provider called Steakhouse monitors the vault’s allocations, liquidity conditions, and the operation of applicable risk controls. Veda, a third-party infrastructure provider, deploys and maintains the vault smart contracts. 

Earnings are not interest paid by MetaMask or by the issuer of mUSD. They are the onchain returns generated by the vault's positions in third-party DeFi protocols.

Earnings are reflected in the Money Account balance  (mUSD) in real time. There is nothing to claim, collect, or manually reinvest.

The Money Account activity screen inside MetaMask displays the total balance (mUSD), including accumulated earnings, along with a breakdown of estimated earnings over time.

You can use your Money Account balance (mUSD) to trade through MetaMask's built-in features, send to any compatible wallet address, or access supported DeFi protocols—all from the same account without needing to move funds between separate balances.

The Money Account connects directly to MetaMask Card. The card works online or via tap-to-pay at any merchant that accepts Mastercard—over hundreds of millions of merchants globally. Purchases are paid from the Money Account balance automatically, with no extra conversion steps, wait times, or hidden fees at the point of sale.

MetaMask Card offers up to 3% back on all eligible purchases, paid in mUSD directly to your Money Account, earning alongside the rest of your Money Account balance, compounding continuously and automatically.