Debitum Loyalty program cases: how extra rewards increase your profit
Last week we introduced Debitum Loyalty program, which is designed to help investors earn even more over time by rewarding consistent investing and community growth.
The program has four tiers and investors can move up in two simple ways:
1. by increasing total outstanding investments;
2. by inviting friends to join Debitum and start earning – both of you receive a reward.
To show the Debitum Loyalty program in action, we share some case studies that reveal how extra rewards can increase your profit over time.
Case 1 – by increasing outstanding investments
Investor profile
– Starting balance: €5900
– Joins the program in December 2025 as a New Investor
– Reaches Investor tier in January 2026 by investing additional €100
– In further years invests €300 each month in 3-year assets at 15% p.a.
Starting from January 2026 the investor receives:
+0.50% p.a. interest boost on new investments
Quarterly top-up bonus on every new deposit
€20 referral reward (per invited friend who invests at least €1000
Results
In this case the Loyalty program benefits active participation (including compounding effect), pushing the total returns to €5452 compared to the €5198 total without the loyalty rewards.
Case 2 – by increasing outstanding investments and referring friends
Investor profile
– Starting balance: €1900
– Refers 3 friends in December 2025 (1 completes KYC only, 2 invest €1000 each)
– Becomes Investor Pro in December 2025
– In January 2026 receives referral bonuses: €20 × 2 = €40 (for the two friends who invested)
– From January 2026 onward, invests €300 each month in 3-year assets at 15% p.a.
– Keeps Investor Pro by repeating the same referral pattern each year (one KYC-only, two who invest €1000 and trigger the referral bonus)
Starting from January 2026 the investor receives:
+1.00% p.a. interest boost on new investments
Quarterly top-up bonus on every new deposit
€20 referral reward (per invited friend who invests at least €1000
Results
Achieving the Investor Pro tier through active referrals maximizes rewards, yielding €350 in extra earnings and driving total returns up by over 19% in the first year alone. As seen in the graph – total earnings with loyalty rewards €3702, without – €3353.
This is a marketing communication and should not be interpreted as investment research, advice, or an endorsement to invest. The historical performance of financial instruments is not indicative of future outcomes. Investing involves risks; the value of investments may fall as well as rise. Be sure to assess your knowledge, experience, financial situation, and investment goals before investing.