> For the complete documentation index, see [llms.txt](https://docs.bankly.cc/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bankly.cc/getting-started/xp-system.md).

# XP System

XP is your activity score inside Bankly. You earn it as you spend with your card and stay active in the app. The more XP you collect, the higher your level climbs — and the more rewards you unlock along the way.

{% hint style="info" %}
XP is separate from your money. It tracks your activity and rewards your loyalty. It does not change your wallet balance or any card balance.
{% endhint %}

## How you earn XP

You earn XP through everyday use of your Bankly card and account:

* **Spending** — every eligible purchase with your card earns XP.
* **Activity** — staying active and engaged in the app adds to your total.
* **Cashback** — eligible spend pays you back in USDC and XP together. See [Cashback](/getting-started/cashback.md).

Higher membership tiers earn XP faster, so your level grows more quickly as you move up. The Private Club, for example, earns 1% XP on eligible spend.

## Levels and rewards

As your XP grows, your level rises. Each new level recognizes how active you are and opens up new rewards inside Bankly.

* **Levels** climb as you accumulate XP over time.
* **Rewards** unlock as you reach higher levels.
* **Momentum** matters — the more you use Bankly, the faster you progress.

{% hint style="success" %}
Your XP keeps building as you use Bankly. There is nothing extra to claim — spend and stay active, and your level takes care of itself.
{% endhint %}

## XP and your membership

Your membership tier sets the pace. Free and paid Clubs all earn XP, but higher tiers earn it faster and stack stronger rewards on top.

* **The Basic Club** and other tiers all collect XP on eligible spend and activity.
* **Higher tiers** earn XP at a faster rate.
* Pair your XP with a richer cashback rate as you move up.

Compare what each tier earns on the [Membership](/getting-started/membership.md) page.

## Good to know

* XP rewards activity, not deposits — topping up your balance is not the same as spending it.
* XP and cashback are earned together on eligible spend.
* Your XP and level travel with your account across the iOS app, the Telegram mini-app, and bankly.cc.

Ready to climb faster? Explore [Membership](/getting-started/membership.md) tiers or see how [Cashback](/getting-started/cashback.md) pays you back.


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.bankly.cc/getting-started/xp-system.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.