# Points (Moarbles)

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;