MetaMask launches 4% yield money account

• MetaMask launched Money Account, which it says offers eligible users up to 4% variable annual percentage yield on MetaMask USD (CRYPTO:MUSD).
• The product lets users spend mUSD through a card on the Monad blockchain while earning DeFi-generated yield in supported jurisdictions.
• MetaMask said the product separates stablecoin reserves from yield generation as debate over yield-bearing stablecoins continues in the United States.

MetaMask, developed by Consensys, launched Money Account, which it says allows eligible users to earn up to 4% variable annual percentage yield (APY) on MetaMask USD (CRYPTO:MUSD) while spending the stablecoin through a card on the Monad blockchain.

The launch comes as US lawmakers consider the CLARITY Act, which includes provisions restricting interest or yield payments on payment stablecoins, while mUSD's market capitalisation stands at about US$32 million after peaking above US$100 million following its September 2025 launch.

“Your balance earns the moment you add funds, and you can spend the moment you need to,” said Consensys CEO Joe Lubin.

MetaMask said mUSD remains backed 1:1 by US dollar reserves and short-term Treasury bills held by Bridge, while yield is generated separately through Veda, which allocates deposits to DeFi lending protocols including Aave and Morpho rather than through issuer-paid interest.

The company said Money Account is available globally except in the United Kingdom and sanctioned jurisdictions, while Know Your Customer checks apply only to regulated services including fiat on-ramps and the MetaMask Card, and following the announcement the Consensys share price was unavailable because the company is privately held.

MetaMask launched its wallet-native mUSD stablecoin in September 2025, and CoinGecko data shows the token briefly exceeded US$100 million in market capitalisation before falling below US$30 million.

The new offering expands MetaMask's wallet services into yield generation and payments, while the company said its structure keeps stablecoin reserve backing separate from DeFi-generated returns.