You buy a course and sit its test to keep your brain less dependent on ai: 5 questions a day for 20 days, and a certificate at the end. On a course that pays, every correct answer also returns a share of what you paid straight into your balance — 1.15% on a course at the usual 115%, and each course sets its own.

The money is the mechanism, not the product. Imagine a refund on your school fees for passing exams. Many students will study harder. It exists to get you back on the days you would rather not study, which is the day that decides whether you finish.

No. Your fee buys access to a course — its question bank, the daily task built from it, and the certificate at the end. It is not a deposit, not savings, and not held on your behalf.

What you earn back is a motivational mechanism. It is not a return, not a guarantee, and nothing here grows by sitting still.

• Paid courses. A course pays back only for correct answers given in time, and almost nobody gets all 100 right — not even with ChatGPT open. The part of the fee that is not earned back stays with us.
• Jump. Jump opens every question at once, against a faster timer. Many learners jump to finish early and get more of them wrong, and a wrong or late answer pays nothing.
• Invite payments. When somebody pays more than the person who invited them did, that person gets 10% instead of 100%, and the other 90% goes to the platform. That is what pays for test earnings.
• Upgrades. Members who pay more so they stop missing the 100% often end up paying more than the person who invited them did — and then 90% of that payment goes to the platform too.

Yes, and many learners will. On a course that pays back the usual 115%, 87 correct answers out of 100 returns your fee exactly; below that you finish down, and a perfect cycle pays 115% of it. Each course sets what it pays back, so a course offering more moves both of those numbers — and it tells you what it returns before you buy.

You can use "jump" to skip waiting for tomorrow's questions. We would rather you knew that before you paid than found it out afterwards.

Each course sets its own price, and you see it before you buy. On a course that pays, every rate is a percentage of that fee — so the price decides what it pays as well as what it costs.

No. Every course carries a test and awards the same certificate on the same standard — that part never varies. What varies is whether sitting it also pays: on some courses every correct answer returns part of your fee, and on others it returns nothing and you sit it for the certificate alone.

Each course says which it is before you pay, and the ones that pay nothing are marked when you choose. It is a per-course decision rather than an oversight: a course that pays out both a commission on the sale and more than the fee back to the learner can cost more than it brought in, and not every course can carry both.

No. The fee buys the course — the syllabus and the material — and that is yours permanently whether or not you ever start its test. The test is the optional half, for people who want the certificate, the fee back, or both.

You can own as many courses as you like and buy another at any time, including while a test is running. You sit one test at a time.

Withdraw anything from $1.00 by bank transfer ($5.00 in crypto; your first withdrawal from $0.80), put it toward your next course, or send it to another learner as study credit. A 5% processing fee comes off each withdrawal — 2.5% on a membership of $10 or more, 1% on a membership of $50 or more, 0.5% on a membership of $100 or more, 0.25% on a membership of $500 or more, 0% on a membership of $1000 or more — plus a flat ₦50 on a bank transfer, and the withdraw screen shows exactly what you’ll receive before you confirm.

You can withdraw what you earned by answering. What you deposited stays as study credit — that is what stops this being a way to move money around rather than a way to buy something.

No, and it is not worth trying. On a course paying the usual 115%, 87 of 100 correct returns your fee and a perfect cycle returns 115% — so answering with help is worth a few points rather than a fortune, and the spread is deliberately narrow on every course. We examine cycles where we have reason to.

It says you answered at least 90% of your questions and measurably improved over the cycle, in your own name, with a code anyone can check. It is evidence you did the work — not that you outscored anybody, and not that you paid.

Every course awards one on the same standard, including the ones that pay nothing back.

Coins are the game currency inside intelligentjump. They are not money: they can’t be withdrawn, sent or swapped for cash. You earn them by:

• Inviting friends — 5 🪙 for every $1 a friend pays to become a member with your link, up to 50 🪙 for $10 or more, and 1 ink. Once per friend; a friend buying a course doesn’t add more.
• Answering — 1 🪙 for every test answer right inside its timer. Wrong or late answers earn none.
• 🎩 Hat-tricks — 5 🪙 more for every 3 right in a row with jump on, on any course. They keep counting across days, so 6 in a row is two. A wrong or late answer starts the count again.
• The daily check-in — 1 🪙 on day one, climbing to 10 🪙 on day 7: 32 🪙 for a full week. Miss a day and it starts over.
• The daily cipher — a secret word posted on our Telegram channel each day. Type it on your dashboard for coins.
• ⚔️ Duels — 10 🪙 for playing, 30 🪙 for beating a member, and any bounty the challenger put up if you beat them. See “What are duels?”.
• The Earn list — one-off coins for watching the explainer videos and following our channels.

• Power-ups on a test question: ⏱️ +10 seconds for 4 🪙, ✂️ 50/50 (two wrong options removed, full pay kept) for 6 🪙, and 🔄 Swap (a different question) for 5 🪙. One of each per question.
• Ink — 40 🪙 for one more free test.
• Streak freezes — 10 🪙 each, up to 2 held. A freeze covers a missed day so your check-in streak doesn’t start over.

Spending coins never raises what an answer pays. It only buys more play, and spending never lowers your level or your league score.

Free tests are written with ink: each one uses 1, your first included. You get 3 free every month, plus more from 🥈 Silver up. Unused free ink doesn’t carry over.

Need more? Buy 1 for 40 🪙, 3 for $0.50 from your balance, or get 1 when a friend you invited becomes a member. Ink you buy or are given never expires. Paid courses never use ink.

Every week, Monday to Sunday (West Africa Time), learners are ranked by the coins they earned that week. The top 10 share $50 in real, withdrawable money — $12.50 for first, down to $2 for 10th.

To win a prize you need:

• a live membership, and
• at least 100 🪙 earned that week.

The board counts the coin for each right answer on any course test, paid or free, plus hat-tricks, check-ins and the cipher. Invite coins count too when your friend paid $10 or more for their link and more than you have paid for yours. Earn-list coins don’t count, and nor do duels — their answers, wins or bounties — since ink can be bought and the league pays cash. Spending coins never lowers your score. Ties go to whoever got there first.

Challenge a friend on a course: send them the link, and once they take it up you each answer 10 questions of your own, at the same difficulty, 30 seconds each, within 24 hours — in any order, and neither sees the other’s score until the end. Most right wins; the quicker total breaks a tie. If nobody takes your challenge up within 24 hours, your ink comes back.

A challenge takes 1 🖋️ ink, and taking one up is free — duel as often as you like. Beat a member and you get 30 🪙; beat somebody who isn’t a member yet, or lose, and you get 10 🪙 — all from us. Members can also put up a bounty — up to 🪙 50, 100 on Plus, 200 on Pro and 500 from Elite: your friend wins it if they beat you, and you get it back if they don’t. Nobody else ever puts anything up. Duel coins are for spending; they don’t fill your cash meter or count in the league.

The one exception is the 🎯 cash meter prize: win a duel with at least 10 of your 10 right in 60 seconds or less in all, and as a member we add 50 to your cash meter — up to 3 wins a week, while that week’s prize pot lasts. Just winning isn’t enough: the target, time included, is what pays. It’s from us, never from the other player, and since your questions are your own, nobody can answer them for you.

After a duel, tap Rematch to challenge the same friend again — they’re emailed straight away.

Your level grows with every coin you ever earn, so spending never takes it away: 🥉 Bronze at 500, 🥈 Silver at 2,000, 🥇 Gold at 5,000, 💎 Diamond at 12,000, 👑 Legend at 25,000.

Your 💵 cash meter pays real money. It counts the coins you’ve earned since your last claim, and pays by the level it reaches: 🥉 500 coins pays $1, 🥈 2,000 coins pays $5, 🥇 5,000 coins pays $30, 💎 12,000 coins pays $105, 👑 25,000 coins pays $200. Coins from free practice tests — the ones that pay no cash — don’t fill it: spend those on power-ups, ink and freezes, and they still count in the league. Nor do duel coins and bounties, except a duel’s cash meter prize.

Claim whenever you like. A claim pays the level your meter is at — that one level, not the ones below it — and uses up that level’s coins: the meter goes back to the coins past it, so the next level moves further away. So it’s your choice: $1 now, or keep going for $30 at Gold. The money goes into your balance, ready to withdraw, and your badge never goes down. Meters started at 0 when level rewards began.

For example, with 1,250 coins on your meter you can claim Bronze’s $1, and your meter goes back to 750: Silver’s $5 is then 1,250 coins away instead of 750. Wait instead, and at 2,000 coins Silver pays $5.

Level rewards are one per person: they can’t be withdrawn to a bank account or wallet that another account with level rewards has already been paid to.

From 🥈 Silver up, each level adds free ink every month.

Pay any amount from $1.00 for a membership and you get your own link. Anyone who signs up on it is credited to you for good, and you earn on two things they buy: a membership of their own, and every course they ever buy.

You are paid at the sale, straight into your balance, and it is yours to withdraw. You do not wait for them to study or sit a test.

100% of what they pay if they paid the same as you or less. 10% if they paid more.

On a 100% referral a 5% processing fee comes off before it reaches your balance — that is what handling their payment costs. A 10% referral pays no fee.

• You paid $10 and they pay $10 — you get $9.50 (100% of $10, less 5%).
• You paid $10 and they pay $5 — you get $4.75.
• You paid $10 and they pay $50 — you get $5.00.

“What you paid” is all your live membership payments added up, so paying more raises the amount a friend can match and still pay you 100%. It pays on every payment they make, including when they pay again next year.

Each course sets its own commission — a share of its price, shown on the course and on your referrals page. Right now they run from 0% to 20% across 14 courses. How much of it you get depends on your membership:

• Full rate (paid more than $50.00) — the full commission on every course.
• All courses ($10.01 to $50.00) — the full commission on courses you own yourself, and 50% of it on the rest.
• Platform (up to $10.00) — 50% of the commission on every course.
• No live membership — nothing.

On a $100 course paying 20%, the full commission is $20.00 and 50% of it is $10.00. It pays on every course they ever buy, with no cap and no expiry.

Any amount from $1.00. What you pay sets both what a friend’s membership has to match to pay you 100%, and how much of a course’s commission you get:

Platform

$1.00–$10.00

All courses

$10.01–$50.00

Full rate

above $50.00

Each payment lasts 365 days. Nothing renews itself and nothing is charged automatically. Pay again whenever you like — payments add up, so $5 and then $8 counts as $13, and the total steps down as the oldest ones run out. Your referrals page shows what you have paid.

On All courses, a course you own pays its full commission and the rest pay 50%. A recommendation from somebody who has read the course is worth more than a forwarded link, and we would rather say so in money than refuse to pay you.

Owning it is permanent — buy it once and every future sale of that course pays you the full rate, whether or not you ever sit its test. A Full rate membership pays it on every course without owning any.

You keep your link and everyone already credited to you stays credited — none of that is lost. What stops is the earning: a sale made while you have no live membership pays you nothing.

We will email you when it happens, naming the exact amount that sale would have paid you, so you can decide whether paying again is worth it.