> For the complete documentation index, see [llms.txt](https://permapod.gitbook.io/home/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://permapod.gitbook.io/home/loyalty-program.md).

# 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](/home/tutorial/dashboard-overview/supply.md) 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](/home/tutorial/dashboard-overview/borrow.md) 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)

{% hint style="success" %}
Points from supplying and borrowing are **cumulative**, meaning both activities increase your total rewards.
{% endhint %}

***

### 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

{% hint style="warning" %}
The rules may be updated at any time to mitigate abuse and preserve the integrity of the system.
{% endhint %}


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://permapod.gitbook.io/home/loyalty-program.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.