Earn credits by using the platform. Your credits give you a share of 80% of all platform fees — paid weekly in USDC. The more you use PayMe, the more you earn. No staking, no lockups. Just real ownership.
OPEN PAYME →PayMe charges a 0.1% fee on every transaction — payments, trades, swaps, bridges. 80% of all fees are distributed to active users every week. The remaining 20% sustains the platform.
Your share is determined by three things: your credit balance, your activity weight (0-100%), and your streak multiplier (1.0x to 2.0x). Together, these form your effective weight:
Your share = (credits × weight × multiplier) ÷ total effective weight × 80% of fees
Your activity weight starts at 100% and decays 15% per week if you're inactive — all the way down to 0%. There is no floor. If you stop using PayMe entirely, you eventually earn nothing. This prevents people from accumulating credits and leeching platform revenue without contributing.
Any qualifying action in a week prevents decay. Qualifying actions: completing a P2P trade, sending a payment, doing a swap, bridging tokens, or bringing in a referral who transacts.
If you come back after being inactive, your weight doesn't snap back to 100%. Instead, it recovers a percentage of the gap each active week:
If your weight decayed to 20% and you do 5 actions in a week, you recover 30% of the 80% gap — bringing you to 44%. It takes roughly 12 weeks of consistent activity to fully recover from zero.
Stay active for consecutive weeks and your revenue share multiplies:
Miss a single week? Your streak resets to zero and your multiplier drops to 1.0x. The multiplier rewards consistency — you can't game it with occasional bursts of activity.
Revenue is calculated and distributed every Monday UTC. Your share appears in the Rewards screen as claimable USDC once that week's payout is finalized. You must manually claim — unclaimed revenue expires 48 hours after finalization and returns to the pool. Minimum claim: $0.10.
Your referral code is a personal invite link. Share it with anyone — when they join and use PayMe, you both earn.
Every time you sell USDC or USDT via PayMe's P2P escrow, you can earn real USDC cashback — paid directly to your wallet. The rewards are denominated in Naira but converted at a fixed backend rate and paid in USDC.
Minimum qualifying trade: $50. Rewards are claimable 24 hours after each qualifying trade.
| Reward | Amount (NGN eq.) | When |
|---|---|---|
| First trade bonus | ₦2,500 | Once — your very first qualifying P2P trade |
| Second trade bonus | ₦500 | Once — second qualifying trade within 7 days of your first |
| 3-day streak bonus | ₦2,000 | When you trade on 3 distinct days within any 14-day window |
| Weekly cap | ₦5,000 | Maximum cashback earnable per 7-day rolling window |
Cashback is paid in USDC to your PayMe wallet on Base. The NGN/USD conversion rate is set by the platform and locked in at the time your reward is awarded — not at the time you claim.
Credits are weighted toward fee-generating activities — the actions that actually fund the revenue pool. Onboarding milestones give you a taste; real earning comes from real usage.
Credits have no fixed dollar value — their worth is the revenue share they generate. The more fees the platform collects, the more each credit earns. Credits don't expire, but their revenue-earning power depends entirely on your activity weight.