> For the complete documentation index, see [llms.txt](https://creda-app.gitbook.io/creda-protocol/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://creda-app.gitbook.io/creda-protocol/getting-started/cnft-benefits-for-user.md). # cNFT benefits for user ![](/files/7Ojwf5gOHXpt1wztYtdB)

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%

{% hint style="info" %} 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 {% endhint %}