What to do if your tier is at risk

If your portfolio value or $WPAY alignment drops below the threshold for your current tier, a 24-hour grace period begins. Your tier remains unchanged during this window — no benefits are lost immediately. You have time to act.

Check where you stand

Open the Rewards Matrix in the app. Your current portfolio value and $WPAY ratio are displayed alongside the thresholds for your tier, so you can see exactly what needs to change and by how much.

How to recover your tier

There are two ways to bring your account back above the threshold, depending on what triggered the grace period:

• Portfolio value. If your total portfolio has dropped below the minimum threshold for your tier, you can add funds via bank transfer, debit or credit card, Apple Pay, or onchain deposit.
• $WPAY alignment. If your $WPAY ratio has fallen below the required percentage, you can exchange assets for $WPAY directly within the Wirex One app.

In some cases, both may need to be addressed together.

As soon as your holdings meet the tier's requirements, your tier is secured immediately — you do not need to wait for the full 24 hours to pass. The grace period ends as soon as your portfolio is back above the required levels.

If the grace period expires

If your portfolio does not meet the thresholds by the end of the 24-hour window, your tier adjusts automatically to reflect your current holdings. Your Reward Points balance is not affected. You can return to a higher tier at any time once the qualification criteria are met again.