Earn#

Idle cash does not help your agents until you put it to work. Hightop Earn lets you move money from the same account your agents use into AI-managed yield vaults, then move it back out when you need it again.

The loop is simple: discover an opportunity, move funds in, and track the result from the same home screen you already use for everything else.

This page covers the in-app Earn workflow. For the deeper vault, routing, and risk model, see Earn Under the Hood. For the asset and venue reference behind what appears in the app, see Supported Assets and Venues.

The wallet home exposes Earn and Earned, and the Earned views show portfolio-wide and asset-specific performance.

The Mental Model#

• Core Earn is the default path: passive, AI-managed yield with no borrowing inside the strategy.
• Amplified Earn is the opt-in higher-yield path: the strategy uses managed borrowing to add a second yield layer.
• You do not send money into a separate account. Earn positions live in the same Hightop account as your wallet balances, agents, payments, and withdrawals.
• When you deposit, you receive a vault position. As the vault earns, the value of that position grows.
• Some positions also surface RIPE rewards on top of base yield. RIPE is the token tied to the Ripe borrowing infrastructure used elsewhere in Hightop.
• There is no manual reward-claim step. Hightop surfaces the results in your position value and the Earned analytics screens.

Discover Earn#

Once your account is funded, Earn becomes a discovery screen with three sections:

• Amplified Earn
• Core Earn
• Ripe Opportunities

Each row shows the asset, the current APY, and, when relevant, your existing balance. Existing balances surface first, then higher-APY opportunities.

Ripe Opportunities lives on the same screen, but it is not the main Hightop Earn vault flow. Tapping one opens that asset's detail page, where you can see your balance, price context, and any related yield surfaces. The sections below cover the Core and Amplified vault flows.

The Earn screen groups funded opportunities into Amplified Earn, Core Earn, and Ripe Opportunities.

Start Earning#

Tapping a Core Earn or Amplified Earn row opens that vault's detail screen, where you can review the balance, APY, and strategy tabs before acting. At the bottom, the CTA says Start Earning if you do not have a position yet, or Add More if you already do.

That button does not open a separate deposit wizard. It launches the shared Convert flow with the destination already set to the vault you chose. In practice, the flow is:

1. select the source asset you want to move from
2. confirm the vault destination
3. enter the amount
4. review the quote and swipe to convert

This is an important Hightop pattern. Entering Earn is treated as a rebalance inside the same account, not as money leaving one product and entering another.

Individual vaults can also have deposit caps. If a vault is full or near its limit, the convert flow shows the maximum you can still deposit and can offer Convert Max.

Starting or adding to an Earn position opens Convert with the vault destination carried into the flow.

Understand a Vault#

The vault detail screen is where Earn stops being generic and becomes specific. At the top, Hightop shows the asset, whether you are looking at Core Earn or Amplified Earn, your current position value, and the current APY.

The balance header switches between USD and token amounts and expands into a breakdown sheet. Tapping the APY opens a breakdown sheet so you can see what is driving the rate instead of just taking one blended number on faith.

For Core Earn, that APY breakdown centers on Gross APY and Performance Fee. For Amplified Earn, it separates the strategy into Deposits, AI-Managed Loan, and Earning on Loan.

The exact performance-fee value and the set of available Amplified vaults are rendered from the live vault data the app is using. In the UI, Amplified opportunities appear under the Amplified Earn label, and the underlying asset tells you which strategy you are viewing.

Vault and asset detail screens show Earn opportunities, APY context, balances, and strategy access.

My Earnings#

If the vault already has earnings history, the screen offers a My Earnings view with:

• a period selector
• an earnings chart
• a return section
• RIPE rewards detail when relevant
• See All {Asset} Yield when the asset has more than one yield context

This is the personal-performance side of the vault screen. It answers the question: what has this position actually earned for me over time?

My Earnings shows earned value, period selection, a chart, and historical rows for the selected vault.

Strategy Details#

The other side of the vault screen is Strategy Details.

For Core Earn, it focuses on APY performance and Current Positions across approved protocols.

For Amplified Earn, it becomes more explicit: Summary, {Asset} Deposits, Debt Position, and Earning on Loan. The strategy view also includes a debt-to-collateral ratio bar and a yield simulator.

New positions without earnings history do not force you through an empty chart first. On the all-time view, the app defaults to strategy details until there is something meaningful to show in earnings.

Strategy Details changes by vault type, showing protocol allocations for Core Earn and loan-driven structure for Amplified Earn.

Track Your Results#

Hightop gives you two ways to see how Earn is performing.

The broad view is the Earned pill on the home screen. It opens a portfolio-wide earnings page with:

• a total-earned value at the top
• period options for All Time, Month, and Week
• date pagination for week and month views
• an earnings chart
• Earned by Asset
• Return by Asset
• RIPE Rewards Breakdown when applicable

The total at the top is interactive. You can tap it and switch between valuing your earnings at today's prices or at the historical prices from each period. That helps separate yield performance from token price movement.

The more specific view is per-asset. From a vault screen or asset detail page, See All {Asset} Yield opens an asset-level earnings page. If the asset also earns RIPE rewards, the screen can separate All earnings from {Asset} Only, and it can toggle between USD and token-denominated values.

If a selected period has no activity yet, the app says exactly that: No earnings found for this period.

Move Money Out of Earn#

There is no separate redeem-only workflow in the app. Earn positions show up inside the same shared action flows as the rest of your balance.

If you want to move money out of a vault but keep it inside Hightop, use Convert and choose the vault position as the source. In shared selectors, those positions are labeled Core Earn or Amplified Earn.

If you want to move money all the way out of Hightop, use Withdraw. After you choose one of your active bank accounts or approved Base addresses, the withdrawal flow lets you select the vault position as the source asset. From there, the off-ramp mostly behaves like any other withdrawal:

• bank withdrawals can insert an intermediate USDC conversion
• crypto withdrawals keep the final address-review step

For Amplified Earn positions, you still exit through the same shared Convert or Withdraw flows. The app does not surface a separate unwind-only screen for leaving the position.

This is the same account model you see everywhere else in Hightop. Earn is a position inside the account, not a separate pool you have to track on its own.

Earn positions appear in the same shared selectors as wallet balances when you move money out or rebalance.

What to Expect#

• Moving money into Earn is handled as an in-account conversion. Once the transaction settles, your wallet balance becomes a vault position rather than waiting for a separate funding batch or claim window.
• RIPE rewards, when applicable, appear in the vault and Earned screens automatically.
• Both paths route only across approved protocols, but protocol risk still exists. Earn is not a bank account and is not FDIC insured.

Where to Go Next#

• Fund and Withdraw for the inbound and outbound money-movement flows around Earn
• Earn Under the Hood for the vault, share-price, and strategy model underneath this UI
• Borrowing Under the Hood for the debt infrastructure used by Amplified Earn
• FAQ for practical questions about yield, performance fees, and risk