# Tiers

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As Liqfinity continues to grow and evolve, tier benefits and fee structures may be updated to Liqfinity evolves with new features and market changes.

Review the latest terms and benefits to stay updated.
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Liqfinity offers five tiers: Basic, Pioneer, Silver, Gold and Diamond. Each provides increasing benefits and flexibility. Tiers are unlocked either through token locking or, in the case of Pioneer, by holding a special NFT.

<table data-header-hidden><thead><tr><th width="133"></th><th width="120"></th><th width="125"></th><th width="127"></th><th width="126"></th><th></th></tr></thead><tbody><tr><td></td><td><strong>Basic</strong></td><td><mark style="color:orange;">Pioneer</mark></td><td><strong>Silver</strong></td><td><strong>Gold</strong></td><td><strong>Diamond</strong></td></tr><tr><td><strong>Token Lock Requirement</strong></td><td>None</td><td><mark style="color:orange;">NFT</mark></td><td>N/A</td><td>N/A</td><td>N/A</td></tr><tr><td><strong>Liquidity Providing APY*</strong></td><td>1x multiplier<br>e.g. 44%</td><td><mark style="color:orange;">1.2x multiplier</mark><br><mark style="color:orange;">e.g. 52.8%</mark></td><td>1.6x multiplier<br>e.g. 70.4%</td><td>1.8x multiplier<br>e.g. 79.2%</td><td>2x multiplier<br>e.g. 88%</td></tr><tr><td><strong>Max Loan Value</strong></td><td>$1,000</td><td><mark style="color:orange;">$3,500</mark></td><td>$10,000</td><td>$50,000</td><td>$100,000</td></tr><tr><td><strong>Entry Fee</strong></td><td>4%</td><td><mark style="color:orange;">2.5%</mark></td><td>2%</td><td>1.5%</td><td>1%</td></tr><tr><td><strong>Hourly Fee Tax</strong></td><td>10%</td><td><mark style="color:orange;">8%</mark></td><td>6%</td><td>4%</td><td>2%</td></tr><tr><td><strong>Referral Commission</strong></td><td>2%</td><td><mark style="color:orange;">4%</mark></td><td>6%</td><td>8%</td><td>10%</td></tr><tr><td><strong>Leaderboards multiplier</strong></td><td>1x</td><td><mark style="color:orange;">2x</mark></td><td>3x</td><td>4x</td><td>5x</td></tr></tbody></table>

**🔹 Token Lock Requirement**\
Explains what users need to access each tier. Some tiers require locking tokens, while Pioneer is unlocked with a special NFT. Basic has no requirement and is the default tier.

**🔹 Liquidity Providing APY**\
Shows how much of the maximum APY each tier earns when providing liquidity. Higher tiers receive larger rewards. (APY percentages in the table are just examples.)

**🔹 Max Loan Value**\
Indicates the maximum loan size available at each tier. Higher tiers allow users to borrow larger amounts against their collateral.

**🔹 Entry Fee**\
A one-time fee charged when opening a loan. This fee becomes smaller as you move into higher tiers.

**🔹 Hourly Fee Tax**\
An extra percentage added on top of Sentinel AI’s dynamic hourly loan fee. Higher tiers pay less, making borrowing more cost-efficient.

**🔹 Referral Commission**\
Represents the share of referral rewards you can earn from invitees. Higher tiers grant access to a bigger portion of referral commissions.

**🔹 Leaderboards Multiplier**\
Boosts the number of points you earn in Loans, Liquidity Providing, and Referrals. Higher tiers multiply points more, helping users climb the leaderboard faster.


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