# Points Program

### Base concept

Earn RFY Points daily on your deposits. Points will convert to $RFY at the TGE. Points accumulate for as long as your deposit remains active, refer to each vault for specific accrual details.

* **Base accrual rate**: \
  1 USD = 1.0 point / day (points accrue daily per unit of USD-equivalent deposited in vaults).

### Vault season 1 multipliers

{% columns %}
{% column %}
BTC vault
{% endcolumn %}

{% column %}
**10x** multiplier
{% endcolumn %}
{% endcolumns %}

{% columns %}
{% column %}
USDC vault
{% endcolumn %}

{% column %}
**10x** multiplier
{% endcolumn %}
{% endcolumns %}

{% columns %}
{% column %}
ETH vault
{% endcolumn %}

{% column %}
**10x** multiplier
{% endcolumn %}
{% endcolumns %}

{% columns %}
{% column %}
INJ vault
{% endcolumn %}

{% column %}
**15x** multiplier
{% endcolumn %}
{% endcolumns %}

{% columns %}
{% column %}
USDT vault
{% endcolumn %}

{% column %}
**15x** multiplier
{% endcolumn %}
{% endcolumns %}

***

### Bonuses

* **Pre-deposit bonus** — *+50% points*: applies to deposits made during the pre-deposit campaign. Pre-deposit vaults have a 1 month lock.
* **Stay longer bonus** — *+25% points*: awarded to depositors of epoch 2 with a 90+ day lock.
* **Referral** — *+10% of referee points* (Will launch after the pre-deposit campaign).

> Bonus multipliers stack multiplicatively with the vault multiplier. See examples below.

***

### How points are calculated

Where:

* `base_rate` = 1 point / USD / day
* `vault_multiplier` is 15x
* `bonus_multiplier` is 1.0 normally, 1.50 if pre-deposit bonus applies, +0.25 for the 90+ day bonus when triggered.

***

### Example

**Example 1 — basic (no bonus)**

* Deposit: 100 USD worth of ETH into ETH vault (15x)
* Daily points = 100 × 1 × 15 = 1500 points / day
* After 7 days = 10,050 points

**Example 2 — pre-deposit bonus**

* Deposit: 100 USD into USDT vault (15x) during pre-deposit (50% bonus)
* Bonus multiplier = 1.50
* Daily points = 100 × 1 × 15 × 1.50 = 2250 points / day
* After 7-day pre-deposit accrual = **15,750 points**

**Example 3 — long-term bonus (90+ days)**

* Same as Example 1, but begins epoch 2 and is locked for 90 days. The +25% is applied to the total points earned during the deposit.

***

### Eligibility, locks and forfeiture

* **Pre-deposit +50%** has a 1 month lock. Early withdrawal will be unavailable.
* **Stay Longer +25%** is credited only after the deposit reaches 90 days. Early withdrawal will be unavailable.
* **Referral**: mechanics and eligibility to be announced; referrals will be clearly opt-in.


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