Withdrawing Your Supply
You can withdraw your supplied assets at any time. There's no lockup period. When you withdraw, your mTokens are burned and you receive your original asset back, plus all the interest you've earned along the way.
How to Withdraw
Go to the Markets page in the Moonwell app.
Select the asset you want to withdraw.
Switch to the Withdraw tab.
Enter the amount you want to withdraw, or click Max to withdraw your entire position.
Click Withdraw and confirm the transaction in your wallet.
Your assets will arrive in your wallet shortly, once the transaction confirms onchain.
Important: Collateral Restrictions
If you have active borrows, you may not be able to withdraw your entire supply, because your supplied assets serve as collateral for your loans.
Moonwell requires you to keep enough collateral to cover what you've borrowed. If a withdrawal would push your position below that threshold, the transaction will fail, which protects you from liquidation.
For example, if you've supplied $1,000 and borrowed $400 against it, you can't withdraw the full $1,000, since that would leave your loan undercollateralized. You could withdraw a smaller amount, or first reduce your debt.
To withdraw more, you have two options:
Repay part of your debt first, which reduces the collateral you need.
Add more collateral by supplying additional assets, which frees up the portion you want to withdraw.
What You Receive
When you withdraw, you receive:
Your original supplied amount
All interest earned while your assets were supplied
You don't need to claim interest separately; it's built into your withdrawal.
When Withdrawals Can Be Delayed
In most cases withdrawals are immediate, but availability depends on liquidity. If a market is fully utilized, meaning nearly all supplied assets are currently borrowed, you may need to wait until some borrowers repay before withdrawing the full amount.
Key Points
Withdrawals are subject to market liquidity and your collateral balance.
There are no withdrawal fees.
Withdrawals are instant, subject to blockchain confirmation.
Interest is included automatically; no separate claim needed.
If you've borrowed, you can only withdraw down to your collateral requirement.
Frequently Asked Questions
Can I withdraw everything at once?
Yes, use Max, unless you have active borrows that rely on the collateral. In that case you can withdraw only the surplus above your requirement.
Are there fees to withdraw?
No. You pay only the network gas fee for the transaction.
Why did my withdrawal fail?
The most common reasons are insufficient collateral (you have an active borrow) or a fully utilized market. Repay some debt, withdraw a smaller amount, or wait for liquidity.
Do I lose my earned interest if I withdraw early?
No. There's no lockup or penalty. You keep all interest earned up to the moment you withdraw.