Wealthra Rewards: how using Wealthra can pay for Wealthra

What Wealthra Rewards actually are

Wealthra Rewards are credits you build up inside the app. They are called Wealthra Coins, and they show up as WLTR in the app. You earn them for setting Wealthra up properly, for using it month to month, and for referring people who go on to subscribe.

You spend them one way: against your subscription. Credit comes off what you pay, and if you have built up enough, it comes off all of it.

1 coin = 1 cent. That is the rate today, and we will not reduce it. If it ever changes, it changes in your favour. Your balance shows what it is currently worth on the Rewards screen.

That is a commitment worth being explicit about. Coins you have already earned should not quietly become worth less because we decided to adjust a number — so we will not do that.

Why there is a wallet address on that screen

Fair question if you spotted it. Wealthra Coins are recorded on a blockchain, and a blockchain gives every account an address. Ours is a closed chain — one we run for record-keeping. It is not connected to any public network, the coins cannot be traded outside Wealthra, and there is no exchange anywhere that lists them.

What it buys you is a complete, permanent history: every coin earned and every coin spent has its own entry, rather than a balance we edit up and down. You do not need to know any of that to use them. The balance sits in your account like any other balance.

How you earn them

Three ways: setting up, using Wealthra month to month, and referring someone. The Rewards screen shows each one and how far along you are.

These amounts can change, so the Rewards screen is where to check them — it always shows what is currently on offer and how far along you are.

We will be straight with you about the size of these. At today’s rate a full setup is worth a couple of dollars and a good month is worth well under one. They are a nudge, not an income — and the ratios matter more than the cents: one referral is worth five times the entire setup bonus, or about twenty months of monthly rewards.

They exist for a plain reason. Wealthra is only as useful as the data in it. An account that is connected, budgeted and reconciled shows you something real. One that is half set up shows you half a picture — and that is the version people give up on. The credits are a small lever against that.

Referrals: where the numbers actually move

Every Wealthra account has its own referral code, under your profile settings. You can share it with anyone, any time.

Here is what happens:

• You send your code.
• They sign up. You get a notification, and they appear under Pending.
• If they go on to a paid subscription, 1,000 coins land in your account — $10 of subscription credit at today’s rate.

There is no limit on how many people you can refer, or on how many coins you can earn that way.

This is the one that moves the needle. If the rewards are going to cover your subscription, referrals are what will do it.

We built it this way because we would rather pay the people who actually recommend Wealthra than pay a platform to put ads in front of strangers. If Wealthra earns a recommendation from you, the value of that recommendation should come back to you.

What Wealthra Rewards are not

We are using blockchain language here, so let us be direct about what this is and is not.

• Not an investment. Wealthra Rewards are not offered as an investment and are not designed to gain value. There is nothing here to invest in.
• Not cash. Credit reduces what you pay Wealthra. It is not paid out to your bank account.
• Not tradeable. They sit on a closed chain that is not connected to any public network. You cannot sell them, send them to another person, or move them to an outside wallet — there is nowhere for them to go.
• Not priced by a market. No exchange lists them and there is no trading price to follow. What they are worth in subscription credit is a rate we set — a cent a coin — and one we have committed not to reduce.
• Nothing extra to set up. Your balance and wallet address sit on the Rewards screen. There is no separate app to install and no seed phrase to look after.

Why we built it

Two reasons, and they are both honest ones.

The first is that the product works better when it is set up properly, and a small incentive helps people over the setup hump. Nobody enjoys connecting accounts.

The second is about how Wealthra grows. We are a small Australian team building something we intend to be genuinely good. The people most likely to tell someone else about it are the people already using it — and it seemed wrong to build a referral system that captures that value without sharing it. So we did not.

Common questions

Referring more than your own subscription? Talk to us.

Wealthra Rewards is built to offset a subscription, and it caps out there — once your coins cover what you pay, more coins do not do anything for you.

If you are in a position to refer at real volume — you run a community, an audience, or a practice where Wealthra would genuinely help people — the standard program is not the right fit. Get in touch at support@wealthra.io and we will talk about an arrangement that is.