Repay early. Get paid back.

Every advance your clients repay wins a scratch card with trust points you can convert to MON. Plus the Advance card, gift cards for less, and coupons that unlock as you go.

Open my rewardsHow scratch cards work

Scratch cards and trust points Live

Built into the credit contract on Monad. The moment a client payment finishes repaying an advance, the contract draws your card.

Example card
50
trust points
$50 advance · $1 fee
Luck 50% · repaid in 4 days

Drag across the card to scratch.

Faster repayment, bigger card

The prize is multiplied by how fast the advance was repaid: 100% within 7 days, 75% within 14, 50% within 21, 25% within 30.

Every card is different

Each card holds 20% to 90% of the fee you paid, drawn by the contract at the moment of repayment. Most cards are 20% or 35%; 1 in 50 is the 90% lucky card.

Recorded onchain

Every card is drawn and recorded by the credit contract at the moment of repayment, so anyone can check it on Monad.

Locked to you

Only client payments win cards, not paying yourself back. Points can't be sent to anyone, and are lost if an advance is ever missed.

What would my card be worth?

Move the sliders. These are the exact rules the contract uses.

Advance$50
Repaid by clients after5 days
≤ 7 days
100%
≤ 14 days
75%
≤ 21 days
50%
≤ 30 days
25%
Your fee
$1
Your card, on average
34 pts
Between 20 and 90 points ($0.20 to $0.90 in MON)
Repay faster to multiply your card. It's drawn onchain the moment your clients finish repaying.

The Advance card

A credit card on your Advance limit. It spends what you can borrow, and it's repaid the same way: from 20% of each client payment.

Advance
credit
limit $50
5412 •••• •••• 4821
Cardholder
YOUR NAME
Valid thru
09/29
monad

Credit, with your limit on it

Starts at $50 and rises to $200, $1,000 and $5,000 as you repay in full.

Switches on after your income check

No verified income, no card. It stays greyed out until a limit is set onchain.

2 points for every $1

Card spending earns rewards points for gift cards and better tiers.

Gift cards for less

Buy gift cards below face value with your advance or your points. Delivered instantly with a code and PIN.

Cartwheel
Gift card
CRTW ••••
FoodSave 6%
Nimbus Air
Gift card
NMBS ••••
TravelSave 4%
Velo
Gift card
VELO ••••
RidesSave 8%
Pixelhaus
Gift card
PXLH ••••
FunSave 10%
Brewline
Gift card
BRWL ••••
FoodSave 12%
Reelhouse
Gift card
REEL ••••
FunSave 7%
forkful
Gift card
FORK ••••
FoodSave 9%
Stackd
Gift card
STKD ••••
LearningSave 5%

Coupons that unlock as you repay

New ones every month for borrowers who repay on time.

Velo
20% OFF
CouponEnds Oct 31
Your next 5 rides
Up to $8 off each ride.
Brewline
Ends Nov 15
Buy 1, get 1
Any handcrafted drink
Nimbus Air
$40
CouponEnds Dec 1
Off flights over $300
Economy and premium economy.
3 months free
Pixelhaus
Ends Nov 30
Pixelhaus Pass Ultimate
New members. Cancel anytime.

Levels that pay you back

Rewards points come from repaying, using your card and buying gift cards. 100 points = $1 in gift cards.

Bronze0 pts
  • 1 point per $1 on gift cards
  • Monthly coupons
Silver1,000 pts
  • Extra 2% off every gift card
  • 1.5x points on repayments
Gold3,000 pts
  • Extra 5% off every gift card
  • 2x points on everything
  • Early access to new coupons
Platinum7,500 pts
  • Extra 8% off every gift card
  • 3x points on everything
  • A free $10 gift card every month
How to earn rewards points
  • Repay an advance in full+250
  • Client payment repays an advance+scratch card
  • Keep a 25% repay share for 30 days+200
  • Spend with your Advance card+2 per $1
  • Buy a gift card+1 per $1
  • Invite a freelancer who repays their first advance+400

Rewards never change your credit limit. Only repaying does.

Questions about rewards

What's the difference between trust points and rewards points?+
Trust points are recorded onchain by the credit contract when clients repay an advance, and will convert to MON 30 days after each card (the conversion step is the next thing we ship). Rewards points are for gift cards, coupons and tiers inside the app.
Who pays for trust points?+
They're a rebate on the fee you already paid, shared by savers and the protocol the same way the fee is split (90/10). Nobody prints tokens. It pays for itself: an advance repaid in a week frees the same dollars to fund about four more advances that month, so savers still earn more over a year than with slow repayment.
What happens to my points if I miss an advance?+
Unclaimed trust points are lost, recorded publicly with the missed advance. That's part of what makes them worth something: they only exist for people who repay.
Why doesn't the card show a price in MON?+
Points are a number that doesn't move with the market. You see "+50 trust points", and the MON amount is worked out when you convert.
Next
See your rewards
Your card, your points, your scratch cards and every gift card.