If you’ve ever staked in Credefi’s ProfitShare Pool and wondered exactly how your rewards are calculated, you’re not alone. The system uses something called xPoints to determine your share of the earnings and while the math might look intimidating at first, it’s actually quite straightforward once you see it step by step.
This guide will walk you through what xPoints are and why they matter, how your stake amount, lock duration, and tier influence rewards, a real example showing how rewards are split, how rewards are released over time, and tips to maximise your rewards.
What Are xPoints?
Think of xPoints as your staking power. The more xPoints you have, the bigger your slice of the rewards pie. Your total xPoints depend on three factors: the amount of tokens you stake (xCREDI directly or CREDI via ModuleX), your lock duration (longer commitments mean higher multipliers), and your tier multiplier (based on your total xPoints after the lock multiplier is applied).
The takeaway is simple: more tokens and longer locks mean more xPoints and more rewards.
How Rewards Are Distributed
The reward pool is split proportionally between all stakers, based on this formula:
Your Effective xPoints divided by the Total Effective xPoints equals your share of the rewards. Once you know your Effective xPoints and the total in the pool, you can predict your earnings.
Step 1: Lock Duration Multiplier
The first multiplier you get comes from how long you commit your stake. The lock periods and their multipliers are:
Perpetual 1.0x, 30 days 2.0x, 90 days 3.0x, 180 days 4.0x, and 360 days 6.0x. Longer commitments mean higher multipliers.
Step 2: Calculate Raw xPoints
To find your Raw xPoints, multiply the amount you staked by your lock multiplier.
(e.g. 5,000 xCREDI × 4.0 = 20,000 Raw xPoints)
Step 3: Apply the Tier Multiplier
Your Raw xPoints place you into a tier. The tiers are:
Tier 0 with 0 xPoints and a 1.0x multiplier
Tier 1 with at least 10,000 xPoints and a 1.5x multiplier
Tier 2 with at least 25,000 xPoints and a 2.0x multiplier
Tier 3 with at least 50,000 xPoints and a 3.0x multiplier
Higher tiers multiply your staking power even more.
Step 4: Calculate Effective xPoints
To get your Effective xPoints, multiply your Raw xPoints by your Tier Multiplier.
(e.g. 20,000 × 1.5 = 30,000 Effective xPoints)
Example of Three Different Stakers
Alice stakes 5,000 xCREDI for 180 days, which has a 4.0x multiplier. Her Raw xPoints are 20,000, she is in Tier 1 with a 1.5x multiplier, giving her 30,000 Effective xPoints.
Bob stakes 10,000 xCREDI for 30 days, which has a 2.0x multiplier. His Raw xPoints are 20,000, he is in Tier 1 with a 1.5x multiplier, giving him 30,000 Effective xPoints.
Carol stakes 30,000 xCREDI for 360 days, which has a 6.0x multiplier. Her Raw xPoints are 180,000, she is in Tier 3 with a 3.0x multiplier, giving her 540,000 Effective xPoints.
The total Effective xPoints in the pool are 600,000. If the pool contains 1,000 tokens, Alice gets 5.00% or 50.0 tokens, Bob gets 5.00% or 50.0 tokens, and Carol gets 90.00% or 900.0 tokens.
The takeaway is that bigger stakes, longer locks, and higher tiers dramatically increase rewards.
Continuous Rewards
The ProfitShare Pool releases rewards every second over the reward period. Staying staked means your rewards grow automatically in real time. You can claim whenever you want or simply claim when you unstake. There is no need to log in daily, your balance is always up to date.
The takeaway is that your rewards are constantly compounding in the background.
How to Maximise Your Rewards
Go long by locking for 180 or 360 days to get the biggest boost. Increase your stake to reach higher tiers and multiply your rewards further. Stay staked for as long as possible to capture every moment of the reward period. Use tier jumps strategically; sometimes a small increase in stake can push you into the next tier and give you a significant boost.
Summary
Longer lock equals higher multiplier. More xCREDI staked equals higher tier and bigger bonus. xPoints determine your share. Rewards grow every second. Flexible claiming means your earnings are always ready.