> For the complete documentation index, see [llms.txt](https://doc.longrise.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://doc.longrise.ai/rewards/participation-plans.md).

# Participation Plans

From the $100 Flexible plan to the $5,000 VIP plan — a full comparison of deposit, lock-up, rate, and CNYT bonus across five plans.

***

## Plan Summary

* **Flexible — $100**: No lock-up · 4%+ monthly · cancel anytime · 5,000 CNYT
* **Basic — $200**: 12-month lock-up · 7%+ monthly · 10,000 CNYT
* **Standard — $500**: 12-month lock-up · 9%+ monthly · 25,000 CNYT
* **Premium — $1,000**: 12-month lock-up · 11%+ monthly · 50,000 CNYT
* **VIP ★ — $5,000**: 12-month lock-up · 18%+ monthly · 250,000 CNYT · top-tier AI strategy access

## 12-Month Rate Simulation (Simple Interest)

The figures below are minimum reference values that vary with AI performance, calculated as simple (non-compounding) interest. Total payout = principal + (principal × monthly rate × 12 months).

| Plan     | Deposit | Lock-Up   | Monthly Rate | Monthly Amount (simple) | 12-Month Cumulative | 12-Month Total Payout | CNYT Bonus |
| -------- | ------- | --------- | ------------ | ----------------------- | ------------------- | --------------------- | ---------- |
| Flexible | $100    | None      | 4%+          | $4+                     | $48+                | $148+                 | 5,000      |
| Basic    | $200    | 12 months | 7%+          | $14+                    | $168+               | $368+                 | 10,000     |
| Standard | $500    | 12 months | 9%+          | $45+                    | $540+               | $1,040+               | 25,000     |
| Premium  | $1,000  | 12 months | 11%+         | $110+                   | $1,320+             | $2,320+               | 50,000     |
| VIP ★    | $5,000  | 12 months | 18%+         | $900+                   | $10,800+            | $15,800+              | 250,000    |

> **Daily USDT Settlement** USDT earnings are automatically settled daily at UTC 06:00. Flexible allows free deposits and withdrawals with no lock-up, while Basic through VIP settle principal and earnings together at the end of the 12-month term.

## Early Termination Policy

| Category                                          | Detail                                                               |
| ------------------------------------------------- | -------------------------------------------------------------------- |
| Flexible — immediate termination                  | 100% principal refund within 24 hours of request                     |
| Lock-up plans — early termination within 3 months | 30% fee deducted, 70% refunded (minimum 70% of principal guaranteed) |
| 12-month normal maturity                          | Principal + full cumulative earnings + full CNYT lock-up release     |


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