# Borrowers

Within the Lucia ecosystem, borrowers also have the opportunity to earn rewards. A strong track record characterized by Lucia Credit Attribution scores and punctual loan repayments can result in discounted insurance premiums for these borrowers. Additionally, upon full repayment of a loan without any penalties, borrowers can qualify for a cashback incentive of 3.5%, which is disbursed in the form of Lucia's proprietary token, LUCI.

**Debt Repayment Rewards Formula:** 

<figure><img src="https://2787681558-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWQHokesx4twoLalR3b7N%2Fuploads%2F3gPp6J9uNPnhEOQ3jNLJ%2Fimage.png?alt=media&#x26;token=83af972d-bee7-4e9f-a44e-81fd67b189c7" alt=""><figcaption><p>Where <em>Cashback</em> is the reward amount in LUCI tokens and <em>Total Repaid Amount</em> is the full amount repaid by the borrower.</p></figcaption></figure>