magpie
Rewards

Earn Points.
Every Loan.

Every successful repayment earns you Magpie Points. Bigger loans, riskier tiers, and repayment streaks multiply your rewards. Accumulate now — redemptions coming soon.

Start earningCalculate rewards
Points
14,320
pts
How it works

Four steps to earning.

SOL
01
Borrow SOL
Your loan amount sets your base points.
▲
02
Choose your tier
Higher risk tiers earn bigger multipliers.
✓
03
Repay on time
Early and on-time repayment adds bonuses.
××
04
Stack streaks
Consecutive successful loans compound your rewards.
Formula

Points breakdown.

Base Points=Loan Amount (SOL) × 100
▲
Tier Multiplier
Express (2 days)1.5×
High risk, high reward
Quick (3 days)1.25×
Balanced risk
Standard (7 days)1.0×
Safe and steady
⇡
Early Repayment Bonus
Repaid in first half of term+25%
Repay a 2-day Express in under 24h? That's +25%
✓
On-Time Bonus
Any repayment before due date+10%
Just don't be late
🔥
Streak Bonus
2 consecutive on-time+10%
3 consecutive+15%
5 consecutive+25%
10+ consecutive+50%
Your streak resets on a liquidation or late repayment
⬡
Diversity Bonus
+5% per unique collateral token (lifetime)Up to +25%
Try new bags, earn more points
Caps at +25% (5 different tokens)
☆
First Loan Bonus
Complete your first loan+500 pts
Everyone starts somewhere
⚠
Liquidation
Loan liquidated0 pts
No penalty to existing balance, just nothing added
Protect your streak
Simulate

Points calculator.

See exactly how many points a loan would earn you. Tweak the inputs and watch the numbers stack.

5.0
Calculation breakdown
Base5 × 100
500
Tier (Express)× 1.5
750
Early repay× 1.25
938
On-time× 1.10
1,031
Streak (3×)× 1.15
1,186
Diversity (4)× 1.20
1,423
Total
0
pts
Leaderboard

Top earners.

The sharpest borrowers on Magpie. Where do you rank?

RankWalletPointsLoansStreak
17xBm...2pKq284,5004712🔥
24k2p...9mNz198,200348🔥
39fLm...3jKr156,800296🔥
42hNp...7wQx134,100255🔥
58kRt...1vBz112,400224🔥
63mWq...6nYp98,700197🔥
75pJk...4rHm87,300173🔥
81nBx...8tKw76,500155🔥
96wRm...2pLq65,200132🔥
104jHn...9kBr54,800114🔥

Leaderboard updates in real-time. Check your rank with /points in the bot.

Redemptions

Coming soon.

Points will unlock real value. Here is what is on the roadmap.

Coming Soon
%
Fee Discounts
Redeem points for reduced origination fees
Coming Soon
✪
Exclusive Tokens
Early access to newly approved collateral
Coming Soon
◇
Merch & NFTs
Physical and digital rewards
Coming Soon
⚑
Governance Weight
Points may influence future protocol decisions
Questions

Points FAQ.

01
How do I check my points?
Use /points in the Telegram bot.
02
Do points expire?
No. Points accumulate indefinitely.
03
What happens to my points if I get liquidated?
You earn 0 points for that loan, but your existing balance is unaffected. Your streak resets though.
04
Can I transfer points?
Not currently. Points are tied to your Magpie wallet.
05
When can I redeem points?
Redemption features are coming soon. Accumulate now.

Start earning points
today.

Every loan is an opportunity. Bigger loans, faster repayments, and streaks all stack in your favor.

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