How it works

Four rules, and everything else follows from them. Every figure on this page is computed by the engine that will run the real settlements.

A woman sitting by a window with her phone, looking out

Where the yield comes from

Keepr does not set a rate and does not invest anything. Your WLD is supplied to Morpho's WLD lending vault on World Chain — the same protocol World's own Earn feature uses — and Keepr passes through whatever that market pays. It moves with lending demand, it accrues continuously, and it can fall to zero. If it does, nothing is distributed and nobody is paid, Keepr included.

Where your money sits

Never with Keepr. Your deposit passes through the treasury contract straight into the lending vault, and comes back the same way — to the wallet that sent it, and to no other.

withdrawal — only ever to the wallet that depositedYour walletin World AppTreasury contractimmutableLending vaultMorpho, on World ChainDistribution enginewrites amounts — cannot move funds

Your deposit never sits with Keepr: it goes straight to the lending vault and comes back the same way. The engine that decides who is owed what is attached by a dotted line because that is all it can do — an accounting rule in the contract makes principal unreachable from it, whatever happens to its key.

The split

The moment yield accrues on your deposit, it splits in two. Three quarters are yours, unconditionally — no condition, no tier, no minimum. The remaining quarter is a budget, not a fee: it pays the people who brought you in, and whatever they do not claim is pooled and returned to every depositor.

Every WLD paid out starts as yield on a depositand flows back to a member — or, at most 6.25%, to Keepr75% of G, straight back to the member25% of G =budget Brest75% of the pool,back to every memberThe memberdeposits WLD · sponsor set by invitegets 75% of G back, plus a pool shareMorpho vault earns yield Gvariable rate, accrues continuouslyThe 75 / 25 splitapplied to every WLD of GCommissionssponsor gets t(D) × Gt(D): 1% to 25% by the sponsor'sown deposit; cascades up the chaincapped at B, pro rata if exceededPool = B − commissionswhat commissions leave unspentno sponsor: the whole B lands here75% back to all members, pro rata25% to KeeprTheir sponsor (a member)gets t(D) × G on top of their 75%then their own sponsor, etc.Keepr25% of pool

The two outlined boxes are where money reaches a member — you, and whoever brought you. Every arrow starts at the yield the vault produced: none starts at anyone's deposit, which is what makes the network self-funding.

Straight back to you
75.0%

Yours unconditionally, whatever happens above you.

Back to every depositor
14.9%

Three quarters of what commissions did not claim — including your share.

To the person who brought you
5.1%

At their own tier, on your gross yield — never out of your 75%.

To Keepr
5.0%

A quarter of the pool, and nothing else. It falls as the network grows.

The tier curve

What you earn on the people you bring depends on one thing: how much you have saved yourself. Not on how many you brought, not on how deep your network runs. The curve is continuous, so there is no threshold to game, and it stops at 25% — which is exactly the whole budget, so a chain can never claim more than the account beneath it produced.

0%5%10%15%20%25%1101001k10k100k1M2.92%5.00%8.55%14.62%
Your referral rate against your own savings, in WLD, on a logarithmic scale. Each tenfold increase in what you save multiplies your rate by about 1.71 — so the gap between tiers widens the more you save.

The cascade, and its cap

Chains have no depth limit. Your sponsor earns on your yield; their sponsor earns on their income, which includes what they just earned from you. But everything claimed on one account is capped by the 25% collected on it.

C earns 100.00 WLD — of which 25.00 WLD is the budget every claim below is capped byB — brought C, has saved 1,000 WLD (5.00% tier)5.00 WLDA — brought B, has saved 10,000 WLD (8.55% tier)0.43 WLD

C earns 100 WLD of yield. B brought C and has saved 1,000 WLD. A brought B and has saved 10,000 WLD.

C keepstheir 75%, untouched by anything above
75.00 WLD
B earns (at 5.00%)their tier, on C's gross yield
5.00 WLD
A earns (at 8.55%)their tier, on B's income — so it falls off fast
0.43 WLD

A is richer than B and still earns ten times less from C, because their claim passes through B's income. Depth pays little; saving pays.

The pool

Most members will have small deposits, and many will have no sponsor at all, so much of the budget is never claimed. Rather than keep it, Keepr pools it and returns three quarters to every depositor, in proportion to what they saved and how long it was there.

This is what answers the usual objection to referral schemes — that they only pay recruiters. Here, the money recruiters do not claim is not Keepr's: three quarters of it belongs to the savers. A member who never brings anyone still receives more than their 75%.

How you end up with more than your own savings earn

This is the part that sounds too good, so here it is in full. Take someone saving 1,130 WLD who has brought three people saving 800 WLD each, at a 5% lending rate.

56.50

WLD — what their own deposit produces

56.96

WLD — what they actually receive

100.8%

of their own deposit's yield

So where does the extra come from?

Not from the market paying more. The three people they brought produced 120.00 WLD of yield between them, and 6.17 WLD of that reached their sponsor — out of the 25% budget on it, never out of the 89.8% those three keep for themselves.

Which means: nobody beats the market

The lending market pays what it pays, and the sum of everything Keepr distributes equals it exactly — a rule the engine verifies at every settlement and the contract enforces on-chain. One member can receive more than their own deposit produced only because the yield is shared differently, never because more of it exists.

That is the whole difference with a scheme that promises a return: here the total is fixed by the market, and Keepr only decides who gets which part of it. If yield stops, everything stops — including Keepr's own share.

Your journey

  1. 01

    An invitation

    Someone shares their link. It carries their address and nothing else — no tracking, no code to type.

  2. 02

    Your first deposit

    Your wallet becomes a member and your sponsor is fixed for good. Your deposit goes straight to the lending vault; nothing idles.

  3. 03

    It earns, continuously

    Yield accrues block by block, and so does everything Keepr distributes. You see your balance grow in real time, and so does whoever brought you.

  4. 04

    You adjust

    Deposit more and your own referral rate rises. Withdraw and it falls, along with what your sponsor earns from you — in the same proportion.

  5. 05

    You withdraw

    Principal and earnings, to the wallet that deposited them and no other. The people you brought stay yours: your sponsorship of them never changes.

What can go wrong

The rate can fall to zero
Lending rates move with demand. Keepr promises none, shows the current one before each deposit, and pays nobody when there is nothing to pay.
The WLD price can fall
Deposits and rewards are in WLD. A fall lowers their value in your own currency, and moves which tier a given amount lands in.
Withdrawals may not be instant
Funds lent out come back as loans are repaid or as new lenders arrive. There is no leverage on your savings, but there can be a wait.
Smart contracts can fail
Any lending protocol carries that risk, and Keepr adds no guarantee on top. The treasury contract is immutable and will be independently reviewed before launch.
Rules differ by country
Yield products and referral schemes are regulated differently. Availability will be limited accordingly.

Want the full detail?

The whitepaper has the formulas, the figures and the references.

AppRead the whitepaper