When are tiers recalculated?
VaultLeap tiers are recalculated automatically and continuously based on your points and subscription status. There is no fixed review cycle and no manual review required.
How Tier Recalculation Works - Points-Based Tiers
Points are tracked on a rolling 30-day window
Every time you earn or lose points, your tier is re-evaluated
Points expire automatically after 30 days
As older points expire, your tier may upgrade or downgrade automatically
Tier changes apply immediately once thresholds are crossed.
Subscription-Based Pro Tier
Your tier remains Pro for as long as the subscription is active
Tier is not affected by point fluctuations during the subscription period
If the subscription is canceled or payment fails, your tier is re-evaluated based on your current points
What Counts Toward Tier Calculation?
Included: Posted VaultLeap card purchases, Eligible referral points (if applicable)
Excluded: Pending card transactions, Refunded or reversed transactions, Chargebacks, Virtual account transfers (ACH, SEPA, wire), On-chain transfers
Zero Tier Monthly Limit
0% fees on up to $40,000 per calendar month
0.55% applies above the limit
Monthly limits reset at the start of each calendar month
This limit does not affect tier recalculation and applies independently of points.
Summary: Tiers update automatically and continuously. Points expire on a rolling 30-day basis. Subscription tiers override points while active. Zero tier includes a monthly fee-free cap. Your current tier is always visible in the app.