Integrate Reward Claims

Integrating reward claims is an essential part of building a complete borrow experience. Many Morpho Markets offer incentives for borrowing or for supplying collateral, and users will expect to be able to claim these rewards through your application.

A Unified Claiming Process

The good news is that the process for claiming rewards is identical for all users in the Morpho ecosystem, whether they are lenders, borrowers, or vault depositors. Rewards are distributed through two primary systems:

1. Merkl: A third-party platform for ecosystem rewards.
2. Morpho URD (Universal Rewards Distributor): The native system for Morpho DAO incentives.

Both systems use the same underlying APIs and onchain functions regardless of how the user earned the rewards.

How to Integrate Reward Claims

Because the technical integration is the same for all products, we maintain a single, comprehensive tutorial for claiming rewards. This ensures the information is always up-to-date and easy to follow.

The tutorial covers everything you need:

• How to interact with the Merkl system.
• How to fetch claim data from the Morpho Rewards API.
• How to execute a claim on the URD smart contracts.
• A full TypeScript example for building your integration.

Bundling Claims with Borrow Actions

For the best user experience, consider allowing users to claim their rewards in the same transaction as another borrow action (e.g., repaying a portion of their loan). This can be achieved using Morpho Bundlers.