SWELL REWARDS
Staying connected is the game.
Every customer is enrolled from day one. Climb from Flow to Peak by earning XP for the things you already do.
You hit Crest. +500 XP
The climb
Four tiers, one streak.
Flow
0 XP
Where everyone starts, enrolled from day one.
Current
1,500 XP
Building a streak and picking up momentum.
Crest
2,000 XP
Riding high with perks that compound.
Peak
12,000 XP
The top of the climb, our richest rewards.
Ways to earn
XP for what you already do.
On-time payment streaks
The core loop. Keep the streak alive, keep climbing.
Referrals
Bring a friend to Swell and you each earn +500 XP.
Weekly quests
Small recurring goals that nudge you up a tier.
Surprise chests
Occasional, delightful drops, just for sticking around.