Earn points through borrowing, lending, and referrals on Liquidium.WTF. Holding eligible LIQ or sLIQ can also reduce borrower fees or increase lender payouts. Points, token holdings, and fee benefits are separate.
Points and referral rewards
You can track points from your activity on the leaderboard. Referral rewards add a 30% points bonus for both the inviter and invitee, based on the invitee’s first five loans.
For example, if an invitee earns 1,000 points on an eligible loan, the invitee receives 300 bonus points and the inviter also receives 300 bonus points. The referral bonus ends after the invitee’s fifth loan.
How to use a referral link
1. Open the Invite friends page in the Liquidium.WTF app and connect your wallet to access your personal invite link.
2. Share your invite link with someone who has never connected to Liquidium.WTF. They must use the link before their first connection for the referral to count.
3. Track the invitee’s activity and referral points on the Invite friends page. Referral points also appear in the leaderboard’s point events.
Read the referral points rules
LIQ and sLIQ fee benefits
The repayment fee is 30% of loan interest before token-based benefits. Eligible LIQ or sLIQ holdings can reduce that fee by up to 25%. The highest tier therefore lowers the borrower’s effective repayment fee from 30% to 22.5% of interest; it does not reduce the loan principal by 25%.
The published tiers are: 0–599 tokens, no discount; 600–1,799, 5%; 1,800–3,599, 10%; 3,600–5,999, 15%; 6,000–11,999, 20%; and 12,000 or more, 25%. These percentages apply to the repayment fee.
LIQ and sLIQ count equally toward the combined holding total. For example, 20 LIQ plus 100 sLIQ counts as 120 tokens.
Holdings are checked when the loan is accepted and again at repayment. Maintain the required balance at both points to keep the benefit. Increasing your balance after acceptance does not raise the tier for that loan.
What lenders receive
Lenders use the same holding thresholds for a bonus of up to 25% of the repayment fee. This increases their share of the interest paid by the borrower. It is separate from the 30% referral points bonus and is not an extra 25 percentage points of APY.
When a repayment fee applies
Liquidium.WTF collects a repayment fee only when the calculated fee before discounts is at least 2,000 sats. If no repayment fee is collected, there is no fee discount or lender bonus to apply.
For example, 10,000 sats of loan interest produces a 3,000-sat repayment fee before discounts. A borrower eligible for the 25% discount pays a 2,250-sat repayment fee instead. Network and any activation fees are separate.
Review the fee quote for your loan and the published tiers before accepting. The documentation states that tiers may be adjusted.
LIQ/sLIQ discount tiers and lender bonus rules
Points and token airdrops
Points track activity and referral rewards; they are not LIQ tokens and do not have a fixed points-to-token conversion rate. Any token distribution has its own eligibility, allocation, and claim requirements.
Check the official claim page for an available distribution and its terms before connecting or signing.
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