Credits & Points
Understand the dual currency system on Opinyze and how credits and points work together.
Two Currencies, Two Purposes
Opinyze uses a dual currency system. Credits and points serve different roles, and understanding the distinction helps you make the most of your time on the platform.
What Are Credits?
Credits are the premium currency on Opinyze. They have real monetary value and can be withdrawn to your bank account.
You earn credits primarily by:
- Completing surveys
- Earning referral bonuses
- Converting points through the conversion pool
Credits appear with a teal icon throughout the platform. Your current credit balance is always visible in your wallet.
What Are Points?
Points are the engagement currency. They reflect your overall activity and participation on Opinyze but cannot be withdrawn directly.
You earn points by:
- Completing surveys
- Voting in polls
- Maintaining daily streaks and hitting streak milestones
- Unlocking achievements
- Engaging with the platform consistently
Points appear with an amber icon wherever they're displayed.
How They Differ
| Credits | Points | |
|---|---|---|
| Value | Real monetary value | Engagement metric |
| Withdrawable | Yes | No (but convertible to credits) |
| Primary source | Surveys, referrals | Surveys, polls, streaks, achievements |
| Determines | Bank withdrawals | User level and conversion eligibility |
| Color | Teal | Amber |
What Points Are For
Points serve two important purposes:
- User Level - Your lifetime points determine your user level. There are 20 tiers from Observer (100 points) to Transcendent (1,000,000 points). Higher user levels can unlock access to premium surveys.
- Conversion to Credits - During active conversion pool events, you can exchange points for credits at a fixed rate. See Points Conversion for details.
Regular points do not determine your monthly leaderboard position. Leaderboard ranking uses Lpts, a separate monthly score that resets each month. See Leaderboard for the full breakdown.
Where Each Is Displayed
Both currencies appear on your dashboard, in your wallet, and alongside relevant activities. Credit amounts show next to paid survey rewards, while point amounts show next to surveys, polls, streaks, and achievements. The distinct colors (teal for credits, amber for points) make it easy to tell them apart at a glance.
Three Kinds of Credit Balance
When you open your wallet, you'll see your credits split across three balances:
- Withdrawable. Earnings that are ready to send to your bank.
- Pending release. Earnings that are clearing through a brief safety window. They become withdrawable automatically.
- Spend only. Credits from deposits. You can use these to fund surveys, AI features, and other in-app actions, but they can't be withdrawn to your bank. This protects against fraud.
The three together make up your total credit balance. Most of the time you only need to think about the first one, your withdrawable balance.
Focus on surveys to build your credit balance, and stay active with polls and streaks to grow your points.