Savings that pay the people who make them happen.
Deposit WLD. It earns on an on-chain lending market, and around 90% of everything it earns comes back to you. The rest goes to the savers who brought other savers here — out of that yield, and nothing else.
The facts
Not projections. These are the rules of the protocol, and they hold whatever the market does.
- ~90%
of your yield comes back to you
Your own share plus the pool, before you bring anyone. Three quarters of it is guaranteed whatever happens above you; the rest is what commissions across the platform leave unclaimed.
- 0
tokens minted
Nothing to buy, nothing to hold, nothing to hope about. Every payment is a fraction of yield the lending market already produced.
- 0
paid by newcomers
No deposit ever funds anyone else. Claims on an account are capped by the 25% collected on that account alone.
- 2.92–25.00%
referral rate, set by your own savings
From 100 WLD to a million. Never by how many people you brought — a rate tied to network size would pay recruiting instead.
- 6.25%
is the most Keepr can earn
A quarter of what commissions leave unclaimed, and it falls as the network grows. On a fully claimed budget, Keepr earns nothing.
- ∞
referral depth, always capped
Chains have no depth limit, yet the total paid on any account never exceeds the 25% its own yield produced.
Run the numbers on your own deposit — computed by the protocol's own engine.
Where every WLD of yield goes
On 100 WLD of yield earned by one deposit, with a sponsor at the reference tier. These shares are not drawn by hand — they come from a real settlement run through the engine.
- Straight back to you
- 75.0%
- Back to every depositor
- 14.9%
- To the person who brought you
- 5.1%
- To Keepr
- 5.0%
Yours unconditionally, whatever happens above you.
Three quarters of what commissions did not claim — including your share.
At their own tier, on your gross yield — never out of your 75%.
A quarter of the pool, and nothing else. It falls as the network grows.
Why paying savers beats paying recruiters
Field experiments keep finding the same thing: people save more when someone they know is involved, and the effect is larger than that of interest rates. Not a community, not a leaderboard — one person you actually know.
×3.5
more deposits
Peer groups among 2,687 microentrepreneurs in Chile. A higher interest rate alone did far less.
+35%
saved
Villagers who shared their progress with someone they knew. The closer the monitor, the larger the effect.
0
effect from anonymous stats
In a US 401(k) plan, anonymous peer comparisons did not help and sometimes backfired. What works is a relationship.
Sources in the whitepaper, §2.
Your rate comes from your own savings
Not from how many people you bring. A rate tied to network size rewards recruiting; a rate tied to your own savings rewards saving — and makes the reason to bring someone in a reason to save more yourself.
At the reference deposit of 1,130 WLD, that rate is 5.14% on everything the people you brought earn — which is why 2 people saving as much as you is enough to beat lending the same WLD on your own.
What this is not
Not a token
Nothing is minted. There is no Keepr token to buy, hold or hope about.
Not funded by newcomers
No one's deposit pays anyone else. Every payment traces back to yield the lending market already produced.
Not a recruitment bonus
You are not paid for signing people up. You are paid a share of what their savings produce, for as long as they save.
Not a promise of return
Keepr sets no rate. The lending rate is variable and can fall to zero; if it does, nobody is paid — Keepr included.
Start with what you have.
There is no minimum worth waiting for: at 100 WLD, 3 savers brought in already beat lending on your own, because the pool matters most at the bottom of the curve.
Keepr is a product under development. Deposits and rewards are in WLD; a fall in the WLD price lowers their value. Withdrawals follow the lending market's liquidity and may not be instant. This is not financial advice.