Loyalty program

Points are calculated daily based on your lending and borrowing positions.

There are two main ways to earn points:

1. Supplying Liquidity

By depositing assets, you help power the protocol.

1 point per $10 supplied per day

Example:
Supplying $50,000 = 5,000 points per day

2. Borrowing Assets

Borrowing generates revenue for the protocol, so it earns more points:

2 points per $10 borrowed per day

Example:

If you supply $50,000 and borrow $20,000:
Supplying: $50,000 → 5,000 points/day
Borrowing: $20,000 → 4,000 points/day

👉 Total = 9,000 points per day (before multipliers)

Points from supplying and borrowing are cumulative, meaning both activities increase your total rewards.¹

Loyalty Multiplier

The longer you stay active, the more you earn:

0–14 days → 1.0x
15–60 days → 1.3x
61–120 days → 1.6x
121–180 days → 2.0x

If you fully withdraw and become inactive, your multiplier resets.

Liquidity Tier Bonuses

Providing more liquidity unlocks extra rewards:

$50K+ → 1.1x
$250K+ → 1.2x
$1M+ → 1.35x
$5M+ → 1.5x

Risk & Fairness Rules

To prevent abuse:

Minimum deposit: $100
Borrow rewards capped by collateral
Liquidation penalty: -30% of points
Withdrawing >25% liquidity: -10% of points

The rules may be updated at any time to mitigate abuse and preserve the integrity of the system.¹

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