# Locking Benefits

By locking your $PEC tokens, you unlock additional benefits that grow with the amount you lock. Locking does not generate interest or dividends — it provides functional benefits within the platform.

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![Lock levels overview](/static/lock-levels.svg)

## Lock levels

| Level | Required $PEC | Fee reduction | Loyalty multiplier | Extra benefits |
| --- | --- | --- | --- | --- |
| **Basic** | 500 | 5% | — | — |
| **Bronze** | 2,500 | 7.5% | 1.5x | — |
| **Silver** | 5,000 | 10% | 2x | — |
| **Gold** | 30,000 | 15% | 2.5x | Pecunity Club Discord, Early Access |
| **Diamond** | 125,000 | 25% | 4x | Pecunity Club Discord, Early Access |

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## How to lock your tokens

1. Go to **PEC Token > Lock** in the sidebar
2. Choose the amount of $PEC you want to lock
3. Confirm the transaction
4. Your benefits are activated immediately

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## Important rules

- Locked tokens become **non-transferable for 120 days** after your last deposit
- You can add more tokens to increase your level, but this resets the 120-day lock period
- Benefits are applied instantly when you reach a new level

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## Stacking with NFT benefits

If you hold Pecunity NFTs that also provide fee reductions, the benefits are **not cumulative**. The higher discount applies.

For example: if your lock level gives 15% reduction and your NFT gives 10%, you get 15%.

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## How fee reduction works in practice

Fee reductions from locking stack with the base 20% discount from paying with $PEC:

1. Base fee for an action: $1.00
2. Pay with $PEC: $1.00 × 0.80 = **$0.80** (20% discount)
3. Gold lock level: $0.80 × 0.85 = **$0.68** (additional 15% reduction)

[!ref Full fee breakdown](/fees/overview/)