No. Everything works with just your email; balances show in pounds. You can optionally connect a Radix wallet from Settings to take self-custody and export your credential — it's encouraged but never required.

Reputation is earned only — it can never be bought — and it drives your tier, voting power and credential. Your spendable Balance is what you spend with vendors; it can be earned or topped up with cash. Money buys spending power, never status.

Yes — you can prepay your spendable Balance (like topping up a campus card) to spend with vendors. Top-ups add no Reputation and don't affect your tier. They're held 1:1 and never invested.

We replaced personal investing with a communal Opportunity Fund: a transparent, member-governed pot that grows from contributions and surpluses and funds scholarships, hardship support and project match-funding.

Activities and projects are designed to build specific skills, evidenced through reflection and peer review rather than attendance alone. Your skills passport shows growth across all nine and backs your employer-verifiable credential.

Vendors fund spend bonuses, departments and employers fund project pools, and surpluses grow the community fund. Students contribute time and skill. The reward you earn always comes from a funded, visible pool.