You often do not need to withdraw manually at all. If you simply spend and your liquid balance is short, the app unwinds exactly the shortfall from the vault as part of the payment, so the rest of the position keeps earning.
Withdraw a position
- 1
Open Earn and tap the position you want to reduce.
- 2
Enter an amount, or choose to withdraw everything.
- 3
Check that you have enough of the chain's native token to pay gas.
Withdrawing USDC on a chain where you hold no gas token is the most common reason a withdrawal cannot be built.
- 4
Review the fee breakdown.
It shows the network fee, a small service fee under 1%, and a small share of the yield earned — never of your principal.
- 5
Sign on your device and watch it settle in Activity.
Good to know
- If you earned no yield, no yield-share is charged. The fee is a share of gains, so a position that made nothing costs nothing beyond gas and the service fee.
- Partial withdrawals leave the remainder earning; there is no penalty and no lock-up on the vaults offered.
Frequently asked
As long as the chain takes to confirm the transaction — generally seconds to a couple of minutes. There is no processing queue on our side, because there is no custodian in the path.
Almost always a gas problem: the position is on a chain where you hold none of the native token. Top that up and the withdrawal builds normally.
A small service fee, under 1%, plus a small share of the yield you earned. Principal is never touched. The exact live figures appear on the review sheet and in Settings → Fees.
Get SpendTheBits
A fully non-custodial wallet for 13 chains, free on iOS and Android. Your keys never leave your phone.