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The Loyalty Bonus is an extra reward given to users who keep a GMRX balance in their account. It is GAIMIN’s way of rewarding you for holding rather than immediately withdrawing.

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How the Loyalty Bonus works

Calculated annually

The bonus is quoted as an annual percentage yield (APY).

Paid monthly

You receive it monthly, based on your accumulated GMRX balance.

Scales with your tier

The percentage you earn depends on your GAIMIN Club tier.

Rewards holding

The more GMRX you hold, the larger the bonus it generates.

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Loyalty Bonus rates by tier

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How the bonus is calculated

The advertised rate is an annual figure, but the bonus is paid monthly. To make twelve monthly payments add up to exactly the advertised annual rate, each month uses the twelfth root of the annual growth factor rather than a simple division by 12. Monthly Bonus=End of Month Balance×((1+APY)112−1)\text{Monthly Bonus} = \text{End of Month Balance} \times \left(\left(1 + \text{APY}\right)^{\frac{1}{12}} - 1\right)

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What each term means

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Step by step

1

Convert your tier rate to a decimal

A Royal tier rate of 8% becomes 0.08.
2

Add 1 to get the annual growth factor

1 + 0.08 = 1.08. Over a full year, a held balance grows by this factor.
3

Take the twelfth root

1.08 ^ (1/12) = 1.00643403. This is the monthly growth factor — the number your balance is multiplied by each month.
4

Subtract 1 to isolate the growth

1.00643403 − 1 = 0.00643403, or 0.643403% per month. This is the effective monthly rate.
5

Multiply by your end of month balance

A balance of 25,000 GMRX earns 25,000 × 0.00643403 = 160.85 GMRX for that month.

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Effective monthly rates by tier

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Worked example

A Royal tier holder (8% APY) starts with 25,000 GMRX and leaves the balance untouched, letting each monthly bonus stay in the account. After twelve months the balance is 27,000 GMRX — exactly 8% more than the starting 25,000 GMRX. Each monthly bonus grows slightly because it is calculated on a balance that already includes the previous months’ bonuses.
Because the bonus is calculated on your end of month balance, adding GMRX during the month increases that month’s bonus, and withdrawing before the month closes reduces it.

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Why not simply divide the annual rate by 12?

Dividing by 12 would ignore compounding and quietly pay out more than the advertised rate over a year, because each month’s bonus earns its own bonus in later months. Using the twelfth root keeps the promise precise: twelve monthly payments compound to the advertised annual figure and no more.
The Loyalty Bonus is an ongoing reason to keep a GMRX balance. At higher tiers like Royal (8%), holding GMRX generates a meaningful recurring bonus on top of what you earn from activity.

See loyalty rates across tiers

Compare Loyalty Bonus rates and every other benefit by tier.