Points & Leaderboard
The protocol awards participation points to all active users — both borrowers and lenders. Points reflect your contribution to the ecosystem and determine your position on the leaderboard.
Points are not a token and do not imply financial obligations. They represent a participant's contribution to the protocol.
How Points Are Awarded
Epochs
Points are distributed every hour (1 epoch = 1 hour). The total point volume per epoch is a fixed amount (Base Emission) distributed among all active participants.
Distribution Between Borrowers and Lenders
Shares depend on the protocol utilization rate (ratio of outstanding loans to total liquidity):
| Utilization | Borrowers | Lenders | Logic |
|---|---|---|---|
| Below 80% | More | Less | Stimulate loan demand |
| Equal to 80% | 50% | 50% | Target balance |
| Above 80% | Less | More | Stimulate liquidity inflow |
Participant Point Calculation
Within each group, points are distributed proportionally to contribution, weighted by time:
Your points = (your_contribution x time) / (total_contribution x time) x group_emission
- For borrowers: contribution = active debt size (principal)
- For lenders: contribution = utilized liquidity size (lent out)
The larger your contribution and the longer it's active, the more points you'll earn.
Example
Epoch with Base Emission = 1000 points:
Current utilization: 60% (below target 80%) -> Borrowers receive 60% = 600 points -> Lenders receive 40% = 400 points
Among borrowers:
- Alice: 100 TON loan (full hour) -> weight = 100
- Bob: 50 TON loan (full hour) -> weight = 50
- Total weight: 150
Alice: 600 x 100/150 = 400 points
Bob: 600 x 50/150 = 200 points
Among lenders:
- Victor: 200 TON utilized -> weight = 200
- Total weight: 200
Victor: 400 x 200/200 = 400 points
Leaderboard
The leaderboard ranks participants by points earned. You can see:
- Top participants — leaders by points
- Your position in the overall ranking
- Progress of point accumulation
The leaderboard is available on the Profile page.
Referral Points
If you participate in the referral program, you additionally earn points for actions by referred borrowers. These points are awarded on top — they don't reduce the borrower's own points and aren't part of the regular distribution.
FAQ
Can points be converted to TON?
Points are not a token and have no direct monetary equivalent. However, they may be considered in future incentive programs and reward distributions.
How often is the Leaderboard updated?
The leaderboard updates at the end of each epoch (every hour).
What if I'm both a borrower and a lender?
You'll receive points in both groups — as a borrower for active loans and as a lender for utilized liquidity.
Do points expire?
No. Accumulated points don't burn or decrease over time.