> For the complete documentation index, see [llms.txt](https://arkslabs.gitbook.io/arks/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://arkslabs.gitbook.io/arks/token-economics/acredit-level-system.md).

# ACredit Level System

To better measure the contributions of users to the ARKS community, optimize their experience, and incentivize them to build and maintain the ARKS community, we have introduced an ACredit level system.

#### Experience Points

The level system uses experience points to comprehensively measure a user's contributions to the ARKS community, including but not limited to the following actions:

1. Injecting liquidity into the USDT pool and staking LP tokens.
2. Generating revenue by lending USDT.
3. Inviting friends to participate in the project.
4. Purchasing NFTs such as real estate, national debt, and subprime loans.
5. Completing covenant behaviors.

Example 1: Depositing or borrowing 10 USDT will earn 10 experience points after one week: 10 x 1 = 10; after two weeks, you will earn 21 experience points: 10 x 2.1 = 21;

Example 2: Depositing or borrowing 10 USDT and withdrawing 5 USDT after one week will earn 20.5 experience points after two weeks: 10 x 1 + 5 x 2.1 = 20.5.

Example 3: Depositing or borrowing 10 USDT and purchasing a real estate NFT worth 1000 USDT, while also inviting a friend who earns 100 experience points themselves. After one week, you will earn 1020 experience points: 1000+10=100x10%=1020

#### **Level**

Each user's initial level is LV1, and the maximum level is LV6.3.

There are six main levels: LV1, LV2, LV3, LV4, LV5, and LV6.

To optimize the user experience and avoid situations where there are no rewards in between main levels, we have introduced sub-levels in between each main level. Each time a user upgrades to a sub-level, they will receive additional benefits within the game.

Upgrading levels requires meeting the following criteria:

Experience points: reaching a certain amount of experience points.

Invitation experience points: for higher levels, there is a requirement for a certain amount of experience points obtained through inviting friends.

Monthly experience points: higher-level users are expected to continue contributing to the community while enjoying the increased token output multiplier. Therefore, certain constraints have been put in place.

ARKS consumption: upgrading requires consuming a certain amount of ARKS, X% of which will be burned, while 1-X% will be deposited into the Treasury.

The required conditions and benefits for each level are shown in the following diagram:

<figure><img src="/files/655uYUOuhQnmFHE5VOEZ" alt=""><figcaption></figcaption></figure>

Note:

1. The maximum loan amount cannot exceed the value of the NFT itself.
2. Users must hold a certain amount of veARKS to be eligible for higher levels.
3. LV6 Obtain no less than 50 experience points per month

**Privileges of higher-level users:**

1. Higher token output multiplier.
2. Lower interest rates for ARKS lending.
3. Eligibility for dividend pool fund distribution.
4. Higher loan amounts in the "buy now pay later" mechanism.
5. Higher yields for purchased NFTs.


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