Version 0.2 · 30 September 2026
Whitepaper
The protocol in full, told the way it works: follow one WLD of yield from the moment it is earned to everyone it reaches.
§1–2 · THE PROBLEM
Saving is social before it is financial
14.3%
of disposable income saved in the euro area — a figure hiding a wide spread.
40%
of adults in low- and middle-income economies saved in a financial account in 2024.
56%
of adults worldwide could reliably find extra money in an emergency.
Field experiments give a consistent result: people save more when someone they know is watching or involved, and the effect is larger than the effect of interest rates. Peer groups multiplied deposits by 3.5 in Chile; sharing progress with a fellow villager raised savings by about 35% in India; and anonymous peer statistics, in a US retirement plan, did not help at all. What works is a relationship, not a benchmark.
§4–5 · THE DISTRIBUTION RULE
Follow one WLD of yield
Yield splits 75 / 25 the moment it accrues. The 25 is a budget, spent first on the commissions owed to your sponsors, then pooled. Whatever the network does not claim comes back to the savers.
Watch it traced — one WLD of yield, followed to each of its recipients.
§6 · TIERS
A rate set by your own savings
t(D) = 1% × 25^(log₁₀ D / 6)— continuous, so there is no threshold to game, and capped at 25%, which is exactly the whole budget. A rate tied to network volume would reward recruiting; a rate tied to one's own savings rewards saving.
See the curve drawn — along with where your money sits, the split and the cascade.
§7 · CASCADE AND CAP
Depth pays little. Saving pays.
Chains have no depth limit, but each level earns on the income of the level below — so claims shrink by a factor of the tier at every step. A is richer than B and still earns far less from C.
their 75%, untouched by anything above them
their rate, applied to C's gross yield
their rate, applied to B's income — a tenth of B's own claim
Whatever the chain above claims, the total is bounded by the 25% collected on C's yield. Nothing is drawn from principal, from other accounts, or from Keepr's reserves — which is what makes the network self-funding.
§8–9 · POOL AND PLATFORM
What recruiters do not claim is not Keepr's
Most members will sit low on the curve and many will have no sponsor at all, so much of the budget is never claimed. Three quarters of it returns to every depositor; Keepr keeps the last quarter, and nothing else.
6.25%
Keepr's maximum share of yield — on an account with no sponsor at all. It falls as the network grows, and reaches zero when a chain claims a full budget.
90%
What the average member ends up with, when commissions absorb 5.1% of yield across the platform — even having never brought anyone.
THE PROTOCOL IN FIVE LINES
The formulas
Everything the engine applies comes down to these. They are implemented in integer arithmetic, so a member can recompute any of them and land on the same wei.
G = 0.75 G + 0.25 G- Yield splits the moment it accrues. The member's three quarters are unconditional; the rest is a budget.
t(D) = 1% × 25^(log₁₀ D / 6)- A sponsor's rate, from their own deposit alone. 1% at 1 WLD, 5% at 1,000, capped at 25% — which equals the whole budget.
Σ charge_k(c) ≤ B_c = 0.25 G_c- Everything the chain above an account can claim, capped by the budget that account produced. Exceeded claims are cut pro rata.
share_i = 0.75 P × (D_i·τ_i) / Σ (D_j·τ_j)- What the pool returns to each depositor, weighted by how much they saved and for how long. Keepr keeps the remaining quarter.
Σ shares + Σ commissions + Σ pool + Keepr = Y- The conservation rule, checked at every settlement. Nothing is created, nothing is lost — a gap is an incident, not a rounding.
Sources
The claims about social saving are not ours. The full list of thirteen references is in the PDF.
- Kast, Meier & Pomeranz, NBER 2012·Self-help groups and peer pressure as a savings commitment device
- Breza & Chandrasekhar, Econometrica 2019·Social networks, reputation and commitment
- Beshears et al., Journal of Finance 2015·The effect of providing peer information on retirement savings
- World Bank, 2025·The Global Findex Database
- JPMorgan Chase Institute, 2022·The dynamics and demographics of US household crypto-asset use
The full document
Ten pages, with the formulas, the figures and the references.
- §1–2Under-saving, and why it is social
- §3Yield source
- §4–5The commission system, and the distribution rule
- §6Tiers
- §7Cascade and cap
- §8Redistribution pool
- §9–10Platform economics, and multiple accounts
- §11Implementation
- §12–14Calculations, roadmap, risks
This paper describes a product under development. It is not financial, legal or tax advice, and all figures are illustrative. Keepr guarantees no return: every payment described is a fraction of a yield Keepr does not control, and if that yield is zero over a period, nothing is distributed and nobody is paid — Keepr included. Questions.