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Levels & XP System

usmewe uses a gamification system to make building credit engaging and rewarding.

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XP (Experience Points)

You earn XP through various actions on the platform:
ActionXP Earned
Complete registration+100
Add first Guardian+50
First deposit+25
Successful loan repayment+20
Refer a friend+30
Daily login streak (7 days)+15
Complete profile+10

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Levels

Level Progression
LevelIconXP RequiredBenefits
Bronze0-499Standard rates
Silver500-1,999-0.5% fees, visible badge
Gold2,000-4,999-1% fees, +25% limits
Platinum5,000-9,999-1.5% fees, +50% limits, 1.5x vote
Diamond10,000+-2% fees, +100% limits, 2x vote

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Level Benefits

Higher levels enjoy reduced service fees on all transactions:
  • Bronze: Standard 1% fee
  • Silver: 0.5% fee
  • Gold: 0% fee (free!)
  • Platinum: 0% fee + priority support
  • Diamond: 0% fee + premium features
Your borrowing limits scale with your level:
Effective Limit = Base Limit × Level Multiplier

Example (Trust Score 70, Gold level):
Base Limit = $100
Multiplier = 1.25
Effective Limit = $125
Platinum and Diamond users get amplified voting power in governance:
  • Platinum: 1.5x vote weight
  • Diamond: 2x vote weight
Your level badge is displayed on your profile and in the social feed, showing your commitment to the community.

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XP Decay

XP does not decay! Once earned, your XP is permanent.
Unlike some gamification systems, usmewe does not implement XP decay. We believe in rewarding long-term users, not punishing inactivity.

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Badges

In addition to levels, you can earn special badges:

Early Adopter

Joined during beta

Perfect Payer

10 on-time repayments

Social Butterfly

3 active Guardians

Vault Master

Staked $1,000+

Community Leader

Referred 10+ users

Diamond Hands

Reached Diamond level

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Level Progress API

Query a user’s level and XP via the API: 
curl -X GET "https://api.usmewe.com/v1/users/{userId}/xp" \
  -H "Authorization: Bearer YOUR_TOKEN"
Response: 
{
  "userId": "user_123",
  "xp": 2450,
  "level": "Gold",
  "nextLevel": "Platinum",
  "xpToNextLevel": 2550,
  "badges": ["early_adopter", "perfect_payer"]
}

API Reference

Full API documentation for XP and levels