HashWhale VIP Program FAQ

1）What is the HashWhale VIP Program?

The HashWhale VIP Program has ten tiers, from VIP0 to VIP9. Your tier is based on either your own assets or the direct effective users you invite. The higher qualifying result determines your tier.

2）How is my VIP tier calculated?

Your tier is evaluated automatically every day at 9:00 (UTC+8) using two independent paths:

• Asset path: your own trailing 30-day average assets.
• Invite path: the number of your direct invitees who qualify as effective users.

Meeting either requirement is enough. Indirect invitees and the assets of other users are not included.

All assets are counted at their USD value at the time of the daily evaluation.

3）What are the requirements and loan rate discounts for each tier?

Each tier from VIP1 to VIP9 has a 30-day average asset threshold in USD and a direct effective user threshold. Meeting either one qualifies you for that tier; you do not need both.

The current thresholds and loan rate discount for every tier are shown on the VIP page in the HashWhale app or on the website.

4）Who counts as a direct effective user?

A user counts when they were invited directly by you, have completed KYC, and maintain the minimum 30-day average assets shown on the VIP page. Eligibility is refreshed daily and may change if these conditions are no longer met.

5）Can my VIP tier go down?

Yes, but you will be warned first. If neither qualification path fully meets your current tier, the system sends a retention warning. The grace clock runs only while both paths remain below 80% of the current-tier requirements. If that continues for seven consecutive daily evaluations, your tier changes to the highest tier your current metrics qualify for.

An active Trial VIP, Fast-track tier, or other time-limited grant follows the expiry shown for that grant. When it ends, your tier returns to the level your current metrics qualify for.

6）How does the loan rate discount work?

The discount reduces the standard borrowing interest rate; it does not reduce the principal:

Actual rate = Standard rate × (1 − VIP discount)

For example, with a 10% standard rate and a 5% VIP discount, the actual rate is 9.5%.

7）How do Trial VIP and Fast-track Apply work?

Trial VIP temporarily grants a higher tier. When the trial expires, your tier returns to the level supported by your current assets or direct effective users.

Fast-track Apply is intended for users who built their community outside HashWhale. Submit your social channels for review; applications are usually reviewed within 1 to 3 business days. The approved tier and expiry are shown in the application result.

8）What is the difference between my primary invite code and a special invite code?

Your primary invite code has no usage cap. A special invite code carries preset terms, such as a target tier, validity period, and number of redemptions. Review the details shown with the code before sharing or redeeming it.