# 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:
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Activity

| 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 * 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. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.moar.market/points-moarbles.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.