Bring someone. Earn on what they save.
Not on what they deposit, and not for signing them up — on the yield their savings produce, for as long as they save. It costs them nothing, and your rate is set by your own savings, not by how many people you bring.
What one person is worth
At 1,130 WLD saved, your rate is 5.14%. Here is a year of one person's savings at a 5% lending rate — a rate nobody guarantees.
- They save 200 WLD
- 0.51 WLDa year, to you
- They save 1,130 WLD
- 2.91 WLDa year, to you
- They save 5,000 WLD
- 12.86 WLDa year, to you
Modest per person, and that is the design: 2 savers of your own size is what it takes to earn more than lending the same WLD yourself. Anyone promising you a living from this is describing a different product.
How it works, in practice
- 01
Share your link
From the Network tab in the app. It carries your address and nothing else — no tracking, no code for them to type.
- 02
They deposit
Your sponsorship of them is fixed at that moment, on-chain, for good. Nobody can reassign it afterwards, including Keepr.
- 03
You both earn
They keep their share as if you had never existed. You earn your rate on what their savings produce, for as long as they save.
Saying it in one sentence
The hardest part is the first message. These are accurate — you can send them as they are.
I've been putting some savings in an app called Keepr — it lends them out and I keep most of what they earn. If you join through my link I get a small cut of what yours earn, which doesn't cost you anything.
Found something for the money sitting in your account doing nothing. It earns on a lending market, you can take it out whenever, and no, it isn't a token.
Honest version: I earn a bit if you save through my link. You earn exactly the same either way. I'd rather tell you that than not.
What they will ask, and what is true
- “Sounds like a pyramid scheme.”
- Fair reaction — say so first. Then: nobody's deposit pays anyone else. The money comes from borrowers paying interest on a lending market, and what I earn on you is capped by a quarter of what your own savings produce. If nobody ever joined again, everyone would keep earning exactly the same.
- “So you make money off me.”
- Yes, and it costs you nothing — that is the part worth being clear about. Your share is identical whether you came through me or signed up alone. What changes is only where the rest goes: to me, or to the pool that comes back to everyone.
- “What's the catch?”
- The rate is not guaranteed and can fall to zero, withdrawals depend on the lending market's liquidity, and everything is in WLD, so its price matters. If someone tells you otherwise, they are selling you something.
- “I don't have much to save.”
- That is the case it is built for. The pool weighs most at the bottom of the curve, and there is no minimum worth waiting for.
Never promise this
You are talking to people who know you. Overselling costs you more than it costs Keepr — and in several countries, promising a return on someone else's behalf is regulated.
- A rate. Nobody knows what the lending market will pay next month, including Keepr.
- That their money is safe. It is in smart contracts and a lending market, both of which carry risk.
- Instant withdrawals. Timing follows the vault's liquidity.
- An income from referring. The numbers above are per year, per person, and modest on purpose.
Send them the questions page instead of arguing. It answers the uncomfortable ones better than you will in a chat.