> For the complete documentation index, see [llms.txt](https://trader-li.gitbook.io/horizon-protocol/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://trader-li.gitbook.io/horizon-protocol/loyalty-program.md).

# Loyalty Program

<h2 align="center">Overview</h2>

The Loyalty Program rewards users who commit a portion of their portfolio to HORIZON. The more HORIZON you hold relative to your total portfolio, the higher your tier and the higher your effective share multiplier.

If users want to access the best rates across the platform, they’ll want to keep a meaningful portion of their portfolio in HORIZON. These tokens do not need to sit idle in a wallet, they can be actively deployed through LP positions, vaults, staking, or other Horizon features while still contributing to loyalty.

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<h3 align="center">Tiers</h3>

Base (0 – 1%) → 1.00x effective share multiplier\
Silver (1 – 5%) → 1.05x effective share multiplier\
Gold (5 – 10%) → 1.12x effective share multiplier\
Platinum (10%+) → 1.25x effective share multiplier

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<h3 align="center">How It Works</h3>

The protocol calculates a user’s loyalty share as the ratio of their HORIZON value to their total Horizon portfolio value (supplied assets minus borrowing). HORIZON value includes wallet balances, staked tokens, and positions held through LPs or vaults. This percentage determines the user’s loyalty tier.

Once the tier is set, the corresponding effective share multiplier is applied to the user’s reward shares, increasing their reward weight across eligible protocol activities. Multipliers activate only after a minimum holding period of 24 hours.

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<h3 align="center">Why It Matters</h3>

This system makes long-term alignment more valuable. Whether you’re mining, lending, farming, or multiplying positions, higher loyalty increases your effective share multiplier, giving committed users greater reward weight over time.