cNFT benefits for user

cNFT Level	Free Claimable CREDA (Locked) Token as % of Credit Score	Increased Saving Rate (based on Credit Score)	Reduced Borrowing Rate (based on Credit Score)
None	10%	0%	0%
1	14%	+1% to +2.5%	-1% to -2.5%
2	20%	+2% to +5%	-2% to -5%
3	28%	+5% to +7.5%	-5% to -7.5%
4	38%	+7.5% to +10%	-7.5% to -10%
5	50%	+10% to +15%	-10% to -15%

A cNFT that is burned within 90 days of minting will receive back locked CREDA tokens A cNFT that is burned after 90 days of minting will receive back unlocked CREDA tokens