HashWhale VIP Program Overview

What is the VIP Program?

The HashWhale VIP Program rewards you for the funds you hold and the team you build. Those two paths together set your tier, from VIP0 to VIP9 — the higher you go, the more benefits you unlock and the larger your rebate caps.

How your tier is calculated

• Recalculated automatically every day at 9:00 (UTC+8) from your trailing 30-day average funds and team headcount.
• VIP1–VIP3: only the users you invited directly are counted.
• From VIP4: your full downline counts, and you must qualify on both the funding and team paths.
• Retention: a downgrade is only triggered when either path stays below 80% of its retention line for the trailing 30 days, and we always warn you first.

Key benefits

• Earn rebate: a tier-diff rebate on the Earn interest your team generates.
• Visa cashback: a percentage cashback on your personal Visa spending.
• Loan rate discount: from VIP4, a discount on borrow interest rates that grows with your tier.
• Card fee rebate: a percentage rebate on your team members' Visa card purchase fee.

The exact rate of each benefit increases as your tier rises — see the "Upgrade Benefits" page in the app for the full table.

Trial VIP & Fast-track Apply

• Trial VIP: we may grant you a Trial tier (for example, VIP5 for 180 days) so you can experience a higher tier's benefits before you qualify. When it ends, your tier returns to whatever you currently qualify for.
• Fast-track Apply: if you built your team somewhere other than HashWhale, submit your social channels to request your tier directly. Reviews usually take 1 to 3 business days, and a fast-track-granted tier is valid for 180 days.

How rebates are paid

• Token: WHALE, worth 1:1 with USDT.
• Where: credited automatically to your funding account.
• Timing: most rebates settle in real time; Flexible Earn rebates are settled and paid out daily.

To learn what WHALE is and where to view it, see the WHALE Token User Guide.