Adding and taking out money

You add and take out money from the Savings tab, or with the Savings button on Home. It is the same flow in both places: pick a pot, type the amount, see what it costs and confirm once. Everything is in dollars.

Adding money

1. In Savings, tap Add. If you would rather start from a pot, tap its row in Your pots and tap Add on its page.

2. Pick the pot under Where does it go?: Morpho or Hyperliquid. If you came in from a pot’s page, it is already picked.

3. On Add to Morpho (or Add to Hyperliquid), type the amount. At the top you see You can add X, or You can add from X to Y when there is a minimum.

4. Read the line underneath before going on. It gives the fee, “Fee: X (0.2%)”, or the total cost when the money has to travel, and “That would be about X a year” at today’s rate.

5. Tap Add X. The app shows the steps it is about to take, each with a rough time: for example Bringing your money back from Invest, Moving it between networks and Putting it in the pot. If it takes a while, keep the app open.

6. When it finishes you see Done: “X in Morpho. It starts earning interest today.”

Where the money you add comes from

From the money you see as available, never from the other pot or from an investment. For the Morpho pot, that is the USDC in your wallet on any network and, if it clears the minimum, your cash on Hyperliquid. For the Hyperliquid pot, it is the cash already on Hyperliquid and, when your account allows it, the money in your wallet.

The app works out the route on its own: if the money is on another network, it moves it there first. You never pick networks or take in-between steps.

Taking money out

1. In Savings, tap Take out, or Take out on a pot’s page. With nothing in Savings, the button is off.

2. Pick the pot under Where does it come from?.

3. Type the amount, or tap Max to take it all. At the top you see You can take out X.

4. Read the fee line and tap Take out X.

5. You see Done: “X back in your balance.”

• From Morpho, the money goes back to your wallet, inside what you have available, in under a minute. If it was on Base, it lands on Base: spending it later from another network can cost a network hop, and the screen tells you how much before you confirm.
• From Hyperliquid, it goes back to your Hyperliquid balance instantly, ready for Invest. This pot cannot keep less than $1: if what you take out would leave less, all of it comes out, and the screen says so first (“These savings can’t keep less than…, so all of it comes out”).
• What is lent out cannot come out until it is repaid. On the Hyperliquid pot, if nearly all of it is lent at that moment, the pot’s page says how much cannot come out right now. See Yield and risks.

Every’s fee

Every charges 0.2% of what you move, in and out, on both pots. It comes out of the amount: put in 100 and 100 less the fee goes in; take out 100 and you receive 100 less the fee. You always see it as a figure before you confirm.

It is not charged:

• On very small Morpho moves. If the fee would come to less than $0.01, that is, if you move less than $5, the whole amount moves with no fee.
• When it would push the move under the pot’s minimum. For example, a first move into Hyperliquid that, without the fee, would not reach $1.
• On the Hyperliquid pot, while your account has not paid its activation. Hyperliquid charges $1 the first time money leaves an account, and we do not want our fee to be that first move.

The vault curator’s fee is something else: it is not Every’s, and it is already taken off the rate you see. All the fees are in Fees.

Minimums and costs by where the money comes from

From	To	Minimum	Cost on top of the fee
Your wallet, on the vault’s network	Morpho	None	None
Your wallet, on another network	Morpho	$2	The network hop, which the screen prices
Your cash on Hyperliquid	Morpho	$10 arriving	$0.20 per exit, plus $1 the first time
Your cash on Hyperliquid	Hyperliquid	The pot ends up with $1 or more	None
Your wallet	Hyperliquid	$11	None: depositing into Hyperliquid is free

You do not need to remember any of this: the add screen already applies these rules. Type less than the minimum and it says “The minimum is X”; if your cash on Hyperliquid is not enough to bring over, it says so with both figures.

How long it takes

Move	Usual time
Into Morpho from your wallet, same network	Under a minute
Into Morpho with a network hop or from Hyperliquid	A few minutes
Into Hyperliquid from your cash on Hyperliquid	Instant
Into Hyperliquid from your wallet	A few minutes, as long as the deposit takes
Out of Morpho	Under a minute
Out of Hyperliquid	Instant, except what is lent out

These are usual times, not promises. If something fails halfway, the screen says We couldn’t finish and that whatever already moved is still yours; you will see it in Activity.

Moving between pots

In Savings, More → Move money moves money from one pot to the other, or from what you have available into a pot, in a single step. The same minimums and fee apply, priced before you confirm.

Savings is never spent on its own

No pot is emptied to pay for something else without your say. If a purchase in Invest is short of cash and your savings would cover it, the purchase stops: it tells you how much it would take out of your savings, with the fee, and gives you two buttons, Use my savings and No, leave my savings alone. For the Hyperliquid pot the button is Use X of my savings. Nothing moves until you tap.

Tip

If you want some money left alone, keep it in Savings and say no when the app asks. If you want to invest it, take it out first: the purchase will be quicker.