Questions
Including the uncomfortable ones. A product that asks you to trust it with money owes you straight answers.
- Is this a pyramid scheme?
- No, and the difference is testable rather than rhetorical. In a pyramid, early members are paid out of what newcomers put in — so it collapses when recruitment stops. Here, nothing ever flows from anyone's deposit to anyone else. Every payment is a fraction of yield the lending market already produced, and everything claimed on one account is capped by the 25% collected on it. If recruitment stopped tomorrow, every member would keep earning exactly what their own savings produce.
- Where does the yield actually come from?
- From people borrowing WLD. Your deposit is supplied to Morpho's WLD lending vault on World Chain, and borrowers pay interest on it. Keepr neither sets that rate nor adds to it — it passes it through and splits it.
- What do I give up by using Keepr instead of lending myself?
- A quarter of your yield, minus what comes back through the pool — so roughly 8 to 10% in practice. You get it back, and more, as soon as two people you brought save as much as you do. The simulator shows your own figure.
- Do I pay anything when someone I know earns a commission on me?
- No. Commissions come out of the 25% budget, never out of your 75%. Your share is identical whether you have a sponsor or not — what changes is only where the rest of the budget goes: to your sponsor, or to the pool that comes back to everyone.
- Can I lose my deposit?
- Keepr cannot take it: the contract that holds funds has exactly two exits, and one of them is a withdrawal to the wallet that deposited. Keepr's own settlement key is bounded by an accounting rule that makes principal unreachable, however that key is compromised. What remains are risks nobody can remove — a bug in a smart contract, a liquidity shortage in the lending market, or a fall in the WLD price.
- What happens if Keepr disappears?
- The treasury contract is immutable and has no owner function that can move your funds, so withdrawals do not depend on Keepr being around to approve them. What would stop is the distribution of new yield, since that is computed off-chain.
- Why does my rate depend on my own savings?
- Because the alternative rewards the wrong thing. A rate that grows with network size pays recruiting; a rate that grows with your own savings pays saving — and turns the reason to bring someone in into a reason to save more yourself. At 100 WLD your rate is 2.92%, at 10,000 it is 8.55%.
- Can I change who brought me in?
- No. Your sponsor is fixed at your first deposit and never changes — including if you withdraw everything and come back later. It is recorded on-chain, so it is not Keepr's word against yours.
- Is there a minimum?
- 0.001 WLD, which exists for a technical reason rather than a commercial one: dust-sized positions interact badly with the rounding of the vault's accounting. The pool matters most at the bottom of the curve, so small savers are not the ones this design leaves out.
- How much does Keepr make?
- A quarter of the pool — at most 6.25% of yield, on an account with no sponsor, and less as the network grows. When a chain claims a full budget, Keepr earns nothing on that account. Keepr has no fee function: its share is credited to an ordinary account and withdrawn the same way as anyone else's.
- Do I need World App?
- Yes. Keepr is a Mini App: it uses World App to sign you in and to move funds. There is no separate account and no password. Getting World App is the only prerequisite.
- Is it live?
- Not yet. The distribution engine and the treasury contract are written and tested; the contract has still to be independently audited, and the app to be reviewed by World before it appears in the Mini App store. Deposits open once that is done.
Still deciding?
The whitepaper has the formulas and the proofs behind every answer above.