.svg)
This content is for educational purposes only and does not constitute financial advice. Always do your own research before making any lending decisions.
The Radix Rewards Campaign is live, and lending on Root Finance is one of the most straightforward ways to earn Activity Points. This tutorial will guide you through supplying assets to Root Finance's lending pools and earning your share of 1 billion $XRD.
What You'll Need
Before you start lending, make sure you have:
- Radix Wallet downloaded and set up (get it here)
- XRD tokens for transaction fees
- Supported assets to lend - Bridge via Astrolescent
- Enrolled accounts in the Radix Rewards program
- Minimum $50 worth of XRD/LSU holdings across all linked accounts
Supported Assets That Earn Points
You'll earn Activity Points (AP) specifically when you supply supported assets on Root Finance.
Important: Always make sure to visit the Rewards dashboard to see what assets, pairs, and pools earn you points: https://incentives.radixdlt.com/dashboard/earn.
Step-by-Step Lending Guide
Step 1: Access Root Finance
Step 2: Navigate to the Supply Feature
- On the main dashboard, locate the "Assets to supply" section
- You'll see a list of available assets you can supply to earn interest
- Each asset shows the current Annual Percentage Yield (APY)
Step 3: Select Your Asset
Choose one of the supported incentive-earning assets:
- Click “Supply” on any supported asset
- Review the current supply APY and other market details
- Check your wallet balance to confirm you have the asset available
Step 4: Enter Your Supply Amount
- Input the amount you want to supply in the designated field
- You can use the "Max" button to supply your entire balance
- Review the transaction details including Supply Stats, Collateral, and Borrow Limits
- Note that you'll receive Root Receipt NFTs representing your supplied assets
Step 5: Execute Your Supply Transaction
- Click "Supply" to initiate the transaction
- Review the transaction details in your Radix Wallet
- Approve the transaction in your mobile wallet
- Wait for the transaction to confirm
Step 6: Verify Your Supply
- Check the "Your Supplies" section to confirm your lending position
- Your Root Receipts will automatically accrue interest over time
- Your lending activity will generate Activity Points in the incentives system
Pro Lending Tips for Maximum Points
Supply Consistently: Activity Points are calculated based on your USD value of liquidity provided over time, so maintaining consistent supply positions is beneficial.
Monitor APY Rates: Interest rates fluctuate based on supply and demand. Higher utilization typically means higher APY for suppliers.
Diversify Your Supplies: Consider spreading your lending across multiple supported assets to potentially maximize both yield and Activity Points.
Track Your Root Receipts: The value of your Root Receipts grows over time, representing both your principal and accrued interest.
How Points Are Earned from Lending
When you supply assets to Root Finance, you earn Activity Points based on the USD value of your supplied liquidity over time. Here's the process:
- During the week: Provide liquidity → Earn Activity Points (AP)
- End of the week: AP converts to Season Points (SP) based on your ranking vs others. Your SP is then multiplied by your XRD/LSU holding bonus (0.5x to 3x)
The more USD value you supply and the longer you maintain your position, the more Activity Points you'll earn.
For a detailed explanation of how the point system works, check out our complete guide: How You Earn Points for the 1Bn XRD Airdrop.
Important Reminders
- Enroll First: Make sure you've enrolled in the Radix Rewards program and linked your lending accounts
- Minimum Holdings: You need at least $50 worth of XRD/LSU across all linked accounts to start earning points
- Supported Assets Only: Only the six assets listed above earn incentive points on Root Finance
- Weekly Rankings: Points are calculated weekly based on your time-weighted average supply
Borrowing on Root Finance
While borrowing itself doesn't earn Activity Points, the borrowed assets can be strategically used in other point-earning activities:
Leverage Your Holdings: Borrow against your XRD or LSULP to access stablecoins without selling your original position, allowing you to maintain your XRD multiplier bonus while accessing additional capital.
Arbitrage Opportunities: Borrow assets and deploy them in higher-yielding opportunities across the Radix ecosystem, such as providing liquidity to DEX pools that earn additional Activity Points.
Multi-Protocol Strategies: Borrow stablecoins to supply on other supported lending platforms like WEFT, diversifying your Activity Point earning across multiple categories.
DEX Trading Capital: Borrow assets to increase your trading volume on supported DEX pairs (hUSDC:XRD, hUSDT:XRD, etc.), earning points in the trading category while maintaining your lending positions.
Next Steps
Now that you know how to lend for incentive points, consider exploring:
- Trading on supported DEX pairs for additional point categories
- Providing liquidity to DEX pools that earn Activity Points
- Exploring the borrowing features to amplify your ecosystem participation
- Checking out other Radix dApps that participate in the Radix Rewards campaign
Ready to start earning points? Head over to Root Finance and begin supplying your supported assets. Remember to lend responsibly and within your risk tolerance.
Have questions about Root Finance? Join their Telegram community or follow them on X.
