> For the complete documentation index, see [llms.txt](https://docs.moar.market/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.moar.market/points-moarbles.md).

# Points (Moarbles)

Moarbles - The Moar Points Program

You earn Moarbles automatically by lending or borrowing on Moar. Lending earns 4x more than borrowing.

Moarbles are accrued based on your average wallet activity per day:<br>

| <p><br></p><p>Activity</p> | Moarbles Earned (per $100 TWAB/day) |
| -------------------------- | ----------------------------------- |
| Lending                    | 4 Moarbles                          |
| Borrowing                  | 1 Moarble                           |

**What you need to know:**

* Moarbles are calculated using **time-weighted average balances (TWAB)** across the day.
* Frequent rebalancing is accounted for and only sustained activity earns full points.
* Moarbles accrue **automatically**. No claiming is required.

**Positions below $100** are not eligible for Moarbles.

**Example Calculation:**

Lending&#x20;

* Provide $1000 in liquidity
* Points per day: (1000 ÷ 100) × 4 = 40 Moarbles

Borrowing

* Borrow $1000 in liquidity
* Points per day: (1000 ÷ 100) × 1 = 10 Moarbles

**If a user borrows $1,000 for only 12 hours, they would earn half the Moarbles based on TWAB.**

**Why TWAB?**

Moar supports leveraged LPs and vault-based strategies where users frequently rebalance.

Using TWAB ensures:

* Active rebalancers are rewarded fairly
* Lending & borrowing are evaluated based on real exposure, over time.&#x20;