🔑Membership, Payment & Referrals
All about your TLD membership and how to get it!
The LifeDAO Membership
What are the perks of joining TLD?
Joining TLD gives you access to powerful, community-driven financial tools designed to protect your loved ones, grow your wealth, and connect you with people who can help you level up. Here’s what you get:
Life Protection Benefit: A mutual aid payout to your family if you pass away. No medical checks, no fine print.
Member Connect: Find mentors, job leads, business partners, or peer support from a global community with shared values.
Grow Your Knowledge: Live workshops, AMAs, and curated content led by real experts, free for members.
Voting Power: Earn credits that let you vote on how the platform evolves.
Surplus Sharing: If there’s leftover money in the Community Fund after all obligations are met, it’s shared with members based on the credits they’ve earned.
Future Benefits:
Crypto Payment Card (coming Q4 2025): Spend crypto like cash, without the pain of off-ramping or conversion fees.
Investment & Savings Tools (coming Q1 2026): Get access to high-quality investment opportunities normally reserved for big players, by pooling funds with the community.
Farewell Services (coming Q2 2026): Burial, repatriation, and legal support when a member passes away, so your family can focus on grieving, not paperwork.
Who can join TLD?
Anyone age 18 or older, from any country. All members get access to community and educational tools immediately; but to unlock the Life Protection Benefit, you’ll need to qualify and complete KYC.
What does a TLD membership cost?
It’s a flat $25/year, which includes the Life Protection Benefit. Want higher coverage? You can upgrade your Life Benefit anytime so your loved ones get the payout they need.
What are TLD credits?
When you join and start contributing to the community fund, you earn credits. The more you contribute, the more credits you get. Credits are proof of your membership, they give you voting rights in The LifeDAO and they are the foundation to calculate how much of the TLD fund surplus goes back into your pocket.
Why do I have to do KYC?
KYC (Know Your Customer) helps protect you, the community, and the integrity of the fund. KYC:
Prevents abuse: Without KYC, someone could create multiple fake accounts to request more than their fair share of benefits. That would drain the community fund and put everyone at risk.
Ensures fair payouts: We need to know who’s who to make sure life protection or surplus payouts go to real, verified members and their rightful beneficiaries.
Protects against fraud & money laundering: KYC helps us meet global compliance standards and avoid becoming a target for illicit use, which could jeopardize the entire community.
To make it smooth, we’re working with one of the top KYC providers, so the process is fast, secure, and as painless as possible.
Payment, Renewal & Refund
How do I pay for my TLD membership?
Making a payment is simple and straightforward, you can use your preferred debit or credit card through your TLD dashboard.
Is the TLD membership an annual payment?
Yes. Your membership is billed once a year to keep it simple and sustainable.
Can I cancel my membership and get a refund?
You can cancel anytime. If you cancel within 14 days and have not applied for any services, you’ll receive a full refund. This gives you time to confirm eligibility for benefits like the Life Protection Benefit.
After 14 days, or if you apply for any service within the 14-day period, refunds are no longer available because your contribution goes into the member-governed fund for collective benefit.
What happens if I don’t renew on time?
You have a 28-day grace period. But if you don’t renew, your membership ends, which means you lose some of your membership credits and your access to services like the Life Protection Benefit is revoked.
Referral Program
Is there a referral program?
Yes! You can refer friends & family through your dashboard and earn rewards for growing the community.
How can I refer people?
Easy! Just log into your dashboard, copy your unique referral link or code, and share it. When someone joins using your link and makes their first contribution to join the Life Benefit feature, you both win.
What do I get when I refer someone?
You earn 4% of your direct referral’s membership contribution, paid out in USDC right after they complete KYC and the Life Benefit payment.
Can I withdraw the money I earn from referrals?
Yes, 100%. Referral rewards are paid directly in USDC into your in-app wallet and are yours to offramp, withdraw, or use to top up your TLD card or for TLD savings and investments (once live).
Is there a cap to how many people I can refer or how much I can earn?
Yes. Referral limits are based on your member role and are subject to change:
Standard Members: up to 5 referrals per month
Pioneers: up to 20 referrals per month
COCs: up to 100 referrals per month
Your earning potential increases with higher roles, giving you access to more referrals and bonuses each month.
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