---
title: "Regulars' credit"
description: "We reward our regulars: 5% of eligible certificate purchases banks back to the wallet that paid it, so coming back costs less. No account, no signup — the wallet is the card. A closed-loop USDC rebate redeemable only by the wallet that earned it; never transferable, never a token."
canonical: "https://scvd.store/credit"
url: "https://scvd.store/credit"
---

# Regulars' credit

We reward our regulars: 5% of eligible certificate purchases banks back to the wallet that paid it, so coming back costs less. No account, no signup — the wallet is the card. A closed-loop USDC rebate redeemable only by the wallet that earned it; never transferable, never a token.

## Terms

### Rate

0.05

### Cash out floor atomic

1000000

### Balance cap atomic

25000000

### Idle expiry days

90

### Currency

USDC

### Changes checkout price

false

### Proof of accrual

store_credit in the successful fulfillment response

### Eligibility

Organic certificate purchases; house wallets excluded. Accrual can be unavailable or capped. Publication-only payments do not accrue.

### Cash out wallet kind

EVM EOA

### Cash out network

eip155:8453

### Balance URL template

<https://scvd.store/api/credit/{evm_wallet}>

### Terms URL

<https://scvd.store/credit>

### Redemption

- **Challenge URL** — <https://scvd.store/api/credit/challenge>
- **Redeem URL** — <https://scvd.store/api/credit/redeem>
- **Method** — POST
- **Requires wallet signature** — true
- **Automatic** — false

### Rail limit

The current balance and cash-out API accepts EVM addresses only; do not infer Solana cash-out support.

## What this is

Regulars' credit: 5% of each eligible organic certificate purchase banks to the wallet that paid. A closed-loop rebate — the store's IOU, redeemable as USDC back to the earning wallet only, never transferable, never a token.

## Rate percent

5

## Cash out floor USD

1

## Balance cap USD

25

## Idle expiry days

90

## Outstanding all wallets USD

0.51975

## Read a balance

<https://scvd.store/api/credit/{wallet}>

## Cash out

POST https://scvd.store/api/credit/challenge, sign it, then POST https://scvd.store/api/credit/redeem