> ## Documentation Index
> Fetch the complete documentation index at: https://docs.usmewe.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Levels & XP

> Gamification system - earn XP and unlock benefits

# Levels & XP System

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

## XP (Experience Points)

You earn XP through various actions on the platform:

| Action                      | XP 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       |

## Levels

<Frame>
  <img src="https://mintcdn.com/usmewe/MaTh3tyDANkiMFl5/images/levels-progression.svg?fit=max&auto=format&n=MaTh3tyDANkiMFl5&q=85&s=f7d4ea44c635bd56b16c34ebecf171f9" alt="Level Progression" width="700" height="300" data-path="images/levels-progression.svg" />
</Frame>

| Level        | Icon                                  | XP Required | Benefits                           |
| ------------ | ------------------------------------- | ----------- | ---------------------------------- |
| **Bronze**   | <Icon icon="medal" color="#CD7F32" /> | 0-499       | Standard rates                     |
| **Silver**   | <Icon icon="medal" color="#C0C0C0" /> | 500-1,999   | -0.5% fees, visible badge          |
| **Gold**     | <Icon icon="medal" color="#FFD700" /> | 2,000-4,999 | -1% fees, +25% limits              |
| **Platinum** | <Icon icon="gem" color="#E5E4E2" />   | 5,000-9,999 | -1.5% fees, +50% limits, 1.5x vote |
| **Diamond**  | <Icon icon="gem" color="#B9F2FF" />   | 10,000+     | -2% fees, +100% limits, 2x vote    |

## Level Benefits

<AccordionGroup>
  <Accordion title="Fee Reductions" icon="percent">
    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
  </Accordion>

  <Accordion title="Limit Increases" icon="arrow-up">
    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
    ```
  </Accordion>

  <Accordion title="Governance Power" icon="vote-yea">
    Platinum and Diamond users get amplified voting power in governance:

    * Platinum: 1.5x vote weight
    * Diamond: 2x vote weight
  </Accordion>

  <Accordion title="Visual Badges" icon="certificate">
    Your level badge is displayed on your profile and in the social feed, showing your commitment to the community.
  </Accordion>
</AccordionGroup>

## XP Decay

<Warning>
  XP does not decay! Once earned, your XP is permanent.
</Warning>

Unlike some gamification systems, usmewe does not implement XP decay. We believe in rewarding long-term users, not punishing inactivity.

## Badges

In addition to levels, you can earn special badges:

<CardGroup cols={3}>
  <Card title="Early Adopter" icon="seedling">
    Joined during beta
  </Card>

  <Card title="Perfect Payer" icon="check-double">
    10 on-time repayments
  </Card>

  <Card title="Social Butterfly" icon="users">
    3 active Guardians
  </Card>

  <Card title="Vault Master" icon="vault">
    Staked \$1,000+
  </Card>

  <Card title="Community Leader" icon="crown">
    Referred 10+ users
  </Card>

  <Card title="Diamond Hands" icon="gem">
    Reached Diamond level
  </Card>
</CardGroup>

## Level Progress API

Query a user's level and XP via the API:

```bash theme={null}
curl -X GET "https://api.usmewe.com/v1/users/{userId}/xp" \
  -H "Authorization: Bearer YOUR_TOKEN"
```

Response:

```json theme={null}
{
  "userId": "user_123",
  "xp": 2450,
  "level": "Gold",
  "nextLevel": "Platinum",
  "xpToNextLevel": 2550,
  "badges": ["early_adopter", "perfect_payer"]
}
```

<Card title="API Reference" icon="code" href="/developers/api-reference/users">
  Full API documentation for XP and levels
</Card>