Your tier is based on the total cumulative USD balance held across all friends you've referred, not just one person.
Tier levels
Tier | Total Referred Holdings | Your Yield Share |
Starter | $0 – $100K | 10% |
Builder | $100K – $500K | 15% |
Whale Hunter | $500K – $2M | 18% |
Ambassador | $2M – $10M | 22% |
Legend | $10M+ | 25% |
How it works
Your tier is calculated from the combined USD balance held by all friends who signed up using your referral link.
Your tier updates automatically, you don't need to do anything.
You earn yield share continuously, for as long as your referees hold USD. It does not expire.
You can estimate your potential earnings using the "Calculate earnings" tool on the Rewards page.
Example
You referred 20 friends, and each of them holds $100,000 USD in their account.
Total referred holdings: $2,000,000
Tier: Ambassador
Yield share: 22% of the treasury yield on $2,000,000
At 3.6% annual treasury yield, that's $72,000/year in yield on $2,000,000, and you'd earn 22% of that, or $15,840/year, just from those 20 referrals.
Important notes
Only balances from friends who signed up using your specific referral link count toward your tier.
If a friend withdraws their balance, your total referred holdings decrease and your tier may adjust downward.
Treasury yield rates may vary over time.
Your current tier and progress toward the next tier are shown on the Rewards page in the app.