Earn
Earn lets you supply spot assets into SomniaLend — the Somnia ecosystem's lending protocol — without leaving dreamDEX. Supplied assets earn a variable yield from lending-market activity while they sit idle between trades. Open it from the Earn tab in the top navigation, or go directly to app.dreamdex.io/earn.
Earn is live on Somnia mainnet (chain ID 5031).
Earn is a supply-only surface: deposit and withdraw. Borrowing against your collateral is not part of the dreamDEX app — use the Browse all markets on SomniaLend link on the Earn page to explore the full protocol.
What you can supply
Any asset that is both an active SomniaLend reserve and tradable on dreamDEX spot markets appears in the supply table, plus native SOMI. The current mainnet roster:
| Asset | Notes |
|---|---|
| SOMI | Native gas token — wrapped/unwrapped for you automatically |
| USDso | Somnia's native stablecoin |
| USDC.e | Bridged USD Coin |
| WETH | Wrapped Ether |
| WBTC | Wrapped Bitcoin |
The list is discovered from the lending pool on-chain, so newly listed reserves show up without an app update.
How it works
Earn uses the same Privy-backed smart wallet as the rest of dreamDEX. Supplies are funded from your smart wallet balance — not from funds you have deposited into spot pool vaults for trading. If the Wallet column shows zero, fund your smart wallet first — use the in-app Deposit button (see Making Your First Deposit), or send the asset directly to your smart wallet address from the wallet menu.
Supplying
- Click Supply on an asset row, enter an amount (or use Max / the percentage slider), and confirm.
- For ERC-20 assets, the first supply bundles a one-time token approval together with the deposit in a single confirmation. Later supplies of the same asset skip the approval.
- Native SOMI is routed through a wrapped-token gateway that wraps it and deposits in one call — you always see and enter plain SOMI amounts.
Interest starts accruing the moment the transaction lands. Your supplied balance grows in place; there is no claim step.
Rates
Supply rates are variable and update every block with pool utilization: the more of a reserve is borrowed, the higher the supply APY. The APY shown is the compounded effective rate, the same convention major lending UIs use. Net APY on the overview card is the supply-weighted average across everything you have supplied.
Withdrawing
Withdraw any amount up to your supplied balance at any time from the Your supplied assets card — partial or Max, straight back to your smart wallet. Native SOMI positions are unwrapped automatically on the way out (the first native withdrawal includes a one-time approval, bundled into the same confirmation).
Withdrawals settle in your smart wallet, subject to the reserve having sufficient un-borrowed liquidity at that moment — the same availability rule as any pooled lending protocol.
Gas
Lending transactions are not gas-sponsored: your smart wallet pays gas in native SOMI, unlike sponsored spot-pool trades. Two practical consequences:
- Keep some native SOMI in the smart wallet before supplying or withdrawing.
- Avoid supplying 100% of your SOMI — the app warns you, because a fully supplied balance leaves nothing to pay gas for the withdrawal or your next trade.
Good to know
- Same pools as SomniaLend. Deposits go into the SomniaLend protocol contracts on Somnia — dreamDEX is a front-end surface over the shared on-chain pools, not a separate vault.
- Positions are per-wallet. Your position belongs to your dreamDEX smart wallet and is managed from the Earn page.
- Protocol risk. Supplied assets are held by the SomniaLend smart contracts and earn yield from borrowers; rates can go to zero when nothing is borrowed, and withdrawals depend on available reserve liquidity. See Risks for the general risk overview.
Disclaimer
Lending markets accessible from this page are provided by SomniaLend and are subject to its separate terms of service. For more information, visit SomniaLend. Displayed rates are variable, may change at any time, and may fall to zero.