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Dynamo Finance is built on Morpho’s smart contracts. This means the two share the same underlying lending infrastructure, but Dynamo extends the experience with additional features, automation, and rewards.

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The relationship

  • Morpho is the base protocol: immutable, audited smart contracts that govern lending markets and vaults on-chain.
  • Dynamo is not just a UI, it is a full-fledged SubDAO built on top of Morpho. Dynamo aggregates the voting power and community of its users to actively steer Morpho governance, while also deploying its own curated vaults and running a native token reward layer.
Think of it like this: Morpho is the engine, Dynamo is the upgraded vehicle with its own governance seat at the table.
When you use Dynamo, your funds are secured by Morpho’s smart contracts, the same contracts that back Morpho.org. Dynamo itself holds no custody of your assets.

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Feature comparison

FeatureMorpho.orgDynamo Finance
Lending markets✅✅
Vaults✅✅
Non-custodial✅✅
Permissionless access✅✅
Direct individual market deposits❌ (only collateral)✅
Auto-rebalancing vaults✅✅ Dynamo-curated
SubDAO governance participation❌✅
Native token (Dynamo token)❌✅
Additional reward campaigns❌✅
Advanced risk dashboard❌✅
Per-market risk parameters❌✅
Health factor alerts❌✅
Auto-repay & auto-compound (soon)❌✅
Projected earnings calculator❌✅
Boosted market incentives❌✅
Advanced market & vault filtering❌✅
Unified multi-chain dashboardPartial❌ (Soon)
Simplified onboarding flow❌✅
One-click strategies❌✅

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What they share

Because Dynamo is built on Morpho, both platforms share:
  • The same smart contracts — every market on Dynamo exists on Morpho’s protocol. You can verify and interact with the contracts directly.
  • The same security model — immutable contracts, independent audits, non-custodial design.
  • The same market data — supply/borrow APYs, utilization rates, and risk parameters are identical because they come from the same on-chain source.
  • The same assets and networks — Dynamo supports all Morpho markets across all networks where Morpho is deployed.

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What Dynamo adds

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SubDAO governance & community

Dynamo is a full-fledged SubDAO within the Morpho ecosystem, not just an interface. Dynamo aggregates its community’s voting power to participate in Morpho governance: influencing market parameters, risk settings, protocol upgrades, and more. When you use Dynamo, you are part of a community with a real seat at Morpho’s governance table.

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Dynamo token

Dynamo has its own native token. Earn it through reward campaigns by supplying, borrowing, or holding vault shares on eligible markets. The Dynamo token is also used for governance, token holders can participate in decisions that shape the SubDAO’s direction and its votes within Morpho governance.

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Dynamo-curated vaults

Dynamo deploys and manages its own vaults, offering optimized yield strategies on top of Morpho’s vault infrastructure. These vaults are actively managed by the Dynamo community, designed to capture the best blended yield across Morpho markets.

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Direct market deposits

Dynamo lets you deposit the loan asset directly into individual Morpho markets, not just through vaults. This gives users full control over exactly where their capital sits on-chain.

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Advanced rewards

Dynamo runs its own reward campaigns on top of Morpho’s native yield. Supplying, borrowing, or holding vault shares may earn you additional Dynamo token rewards that are not available when using Morpho.org directly.

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Enhanced analytics

Dynamo surfaces deeper data: 30-day utilization trends, detailed vault allocation breakdowns, projected earnings at multiple time horizons, and a consolidated view of all your positions across markets and vaults. The risk dashboard provides global and per-market risk parameters not available on Morpho.org.

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Automation and Notifications (soon)

Auto-repay and auto-compound tools will automate routine position management tasks. Advanced position notifications through email, SMS, Discord, and Telegram.

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Superior UX

Dynamo is purpose-built to make Morpho more accessible, simplified onboarding for new users, advanced market and vault filtering, real-time health factor monitoring, one-click strategy flows, and a unified portfolio dashboard that shows everything in one place.

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Can I use both?

Yes. Because both platforms interact with the same Morpho smart contracts, a position opened on Morpho.org is visible (and manageable) on Dynamo, and vice versa. Your on-chain position is not locked to either frontend.
If you already have positions on Morpho.org, simply connect the same wallet on Dynamo to see and manage them, and start earning Dynamo rewards on eligible positions.

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Why choose Dynamo?

  • You want SubDAO governance participation, your activity contributes to shaping Morpho’s future.
  • You want to earn the Dynamo token on top of standard Morpho yields.
  • You prefer a richer analytics experience with global and per-market risk data at your fingertips.
  • You want automation (auto-repay, auto-compound) to protect and grow your positions (coming soon).
  • You want notifications (email, SMS, Discord, and Telegram) to react quickly to positon changes (coming soon).
  • You want Dynamo community-curated vaults with actively managed yield strategies.
  • You want direct market deposits without being forced into a vault.
  • You want a unified portfolio dashboard across all your Morpho positions.
  • You want access to new features as Dynamo continues to build on top of Morpho.