Depending on the membership status which is governed by the relative number of tokens each user holds against other users, top 10 percentile gains access to premium, member-only store that offers coupons and products that users can subscribe or purchase with BASIC tokens.

Staking BASIC tokens in amount equal to 20 percent of the annual repayment interest lowers the loan APR by twenty percent. Once the loan matures, the staked portion shall be unstaked back to available asset.