# Cashback System

The cashback system is the most visible component of Venzo Rewards. Every qualifying purchase made with the Venzo Card triggers an instant cashback credit to the user's account.

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### How Cashback Works

When a user makes a purchase with their Venzo Card, the following process occurs:

1. Transaction Processing. The payment is processed through the Mastercard network and settled by Venzo's payment processor.
2. Cashback Calculation. The system calculates the cashback amount based on the user's membership tier, the merchant category, and any active promotional multipliers.
3. Instant Credit. The cashback amount is immediately credited to the user's Venzo account. Users can choose to receive cashback in stablecoins (USDC/USDT).
4. Auto-Deploy. Users can optionally enable auto-deploy, which automatically routes cashback earnings into their preferred Venzo Earn vault, creating a compounding rewards loop.

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### Cashback Rates by Tier

<table><thead><tr><th width="163.55859375">Membership Tier</th><th width="174.53125">Standard Cashback</th><th>Venzo Points Cashback</th><th>Venzo Points Cashback</th></tr></thead><tbody><tr><td>Standard</td><td>1.0%</td><td>1.5%</td><td>Up to 2x</td></tr><tr><td>Silver</td><td>2.0%</td><td>3.0%</td><td>Up to 3x</td></tr><tr><td>Gold</td><td>3.0%</td><td>4.5%</td><td>Up to 4x</td></tr><tr><td>Platinum</td><td>5.0%</td><td>7.5%</td><td>Up to 5x</td></tr></tbody></table>


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