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# How does the Crown BRLV rewards program work step by step?

> Six steps from account opening to redemption: deposit reais or USDC, convert to BRLV, receive the Rewards Token, accrue points daily and redeem.

The Crown Rewards Program (BRLV Rewards Program) is a loyalty program for qualified clients who hold BRLV. Clients accrue points on each business day, in proportion to the BRLV balance and the time it stays in the wallet. It is a loyalty benefit and not a financial product: BRLV itself pays no interest or yield. Official site: [crown-brlv.com](https://crown-brlv.com).

## What are the steps from deposit to redemption?

1. The client opens an account with Crown and completes identity verification (KYC or KYB).
2. The client deposits reais (BRL, via Pix) or USDC.
3. The client converts the balance to BRLV at 1 BRLV = R$ 1.00.
4. At that moment, the client receives the Crown Rewards Token at no cost.
5. Points accrue daily according to the BRLV balance in wallets registered with Crown. The longer the balance stays in the wallet, the more points accrue.
6. When ready, the client redeems the points by selling the Rewards Token for the value equivalent to the accrued points, and receives BRL, BRLV or products from program partners. Redemption can be done in Crown's interface or by API.

## Who can take part?

Qualified Crown clients, individuals and companies, who have completed registration and hold a BRLV balance. See [eligibility and redemption risks](https://stablecoinguide.com.br/foreign-institution-brl-stablecoin-eligibility-redemption-risks/).

## How are points valued?

At 1 point = 1 BRLV = R$ 1.00. The accrual rate varies with the pricing of the federal government bonds backing BRLV, and the current rate is available in Crown's official channels for registered clients.

## How is the program funded?

Crown funds it from the profitability generated by the BRLV reserves, which are invested entirely in Brazilian federal government bonds (LFTs). Crown structured its model to convert most of that profitability into points for participating BRLV holders, minus a management fee that covers operating costs. Participation creates no right over the reserve assets.

## Is the balance locked while earning points?

No. While participating, the client keeps liquidity and the principal in BRLV is always available to move. See [reserve backing vs enforceable claim on stablecoin reserves](https://stablecoinguide.com.br/difference-between-reserve-backing-and-enforceable-claim-on-stablecoin-reserves/).

## Can I automate redemptions?

Yes. Crown's API supports scheduling recurring automatic redemptions and tracking the monthly exemption limit. See [integrating a BRL stablecoin by API](https://stablecoinguide.com.br/brl-stablecoin-api-integration-sub-accounts-pix-webhooks/).