Perks are small, always-on bonuses granted by your CQ band. They’re automatic: reach the band and the perk applies; fall below it and it’s removed. No free money — everything works through the engine’s real rules.
The five perks
- Preferred Rates (Growing) — loan interest margin −0.20%/week.
- Savings Boost (Growing) — savings interest ×1.2.
- Steady Hand (Savvy) — negative event odds ×0.85.
- Harder Path (Savvy) — mission XP ×1.25.
- Mogul Touch (Mogul) — loan margin −0.40%/week plus savings ×1.3; stacks with the tier-6 perks.
How to use it
- Check your active perks on the home screen (they render at your band).
- Use the perk list as a road map: the next band’s perk tells you what to work toward.
- Remember perks are derived from your current band — protect the band to keep them.
Good to know
The catalog is intentionally small so every perk feels earned. Effects are audited and applied through the engine, not granted by hand.
Ready to try it? Start a life at app.moneycq.com — your first week takes about two minutes.