# Merkl Incentives & Lend Points

Depositors earn additional rewards on top of the \~10% base APR, distributed through Merkl, the same permissionless incentive infrastructure most large DeFi protocols use for their campaigns.

No separate action is needed. Rewards accrue automatically as long as you hold a position in the vault, and they're claimable through the Merkl interface whenever you want.

## Merkl incentives

Merkl campaigns run in the background, fully on-chain and traceable. The specific tokens and rates vary by active campaign.

## Lend Points

On top of token incentives, depositors accumulate Lend Points as part of the lend.xyz ecosystem.

|                          |                                   |
| ------------------------ | --------------------------------- |
| Accrual rate (Flint USD) | 0.0013 lend points / $ / hour     |
| Accrual                  | Continuously on active deposits   |
| Tracking                 | Via Merkl campaign infrastructure |
| Required action          | None                              |

## Summary

| Reward           | Rate                 | Required action |
| ---------------- | -------------------- | --------------- |
| Base APR         | \~10%                | Deposit         |
| Merkl incentives | Variable by campaign | None            |
| Lend Points      | 0.0013 pts / $ / hr  | None            |

***

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