Summerfi's $RAYS Just Dropped: How to Earn, Stack, and Stay Ahead

Summer.fi just announced their points program and I've been digging into how $RAYS actually works. I have to admit, it’s not just another race for points.

Here's a break down detailing what makes this one different and why you should pay close attention.

What Is $RAYS?

$RAYS is Summer.fi’s way of rewarding users who interact with DeFi’s highest-quality protocols through their platform and it's built for long-term behavior, not just temporary hype.

Whether you’re a borrower, yield farmer, or leverage nerd using Multiply strategies, $RAYS rewards you in ways that reflect your actual usage.

Why Now?

Yields are picking up, protocols are getting more composable, and users are getting more selective about what’s worth using. Summer.fi’s core thesis has always been curation over chaos. They don’t just list everything, they list what works and wrap it in a clean, automated UX. $RAYS, an extension of that thesis, rewards you for using DeFi responsibly and efficiently.

Who Gets the Airdrop?

There are two categories of eligible users:

1. Non-Summer.fi users: If you’ve been active on-chain (e.g., used protocols on Ethereum, Arbitrum, Optimism, or Base), you might get 100–200 $RAYS per protocol. But you need to open a Summer.fi position ($500+) and hold it for 14 days before Sept 20 to actually claim.

2. Summer.fi users: You get 500–1500 $RAYS per protocol you’ve used via Summer, and up to 2000 $RAYS per power feature (like Multiply or Automation), which will be tripled if you were active during the June 18 snapshot. The snapshot already happened, so it’s now about claiming, using, and maximizing.

How to Earn $RAYS

$RAYS isn’t just airdropped, it’s earned continuously based on your usage.

You get points for:

• Borrow, Multiply, or Earn positions

• Automations like Stop Loss or Auto Take Profit

• Swaps, with bonuses for correlated/uncorrelated pairs

• Time (the longer you hold, the more you earn)

• Protocol diversity (the more you use, the bigger your boost)

• Referrals (5% of your friends' earnings for 12 months)

There’s even a 5x points multiplier in the early weeks. So the sooner you start, the more you can rack up.

Most point systems reward volume over behavior. They get farmed, botted, and dumped. But $RAYS is different for three reasons:

1. Behavior-first, not whale-first

   You don’t need to be a mega-degen to participate. Small, well-managed positions with automation and time get rewarded just like large ones.

2. You can’t game it easily

   Opening 100 $100 positions won't help. You’re better off holding a single smart one.

3. It encourages learning the actual tools

   Want to unlock more rewards? You’re incentivized to try automation, diversify across protocolshase APY.

Points systems are only as strong as their follow-through. But based on how Summer.fi has rolled out everything else, from $SUMR to cross-chain vaults, they’re clearly playing the long game.

There is no better time, than now, to get into Summer.fi. If you’ve been thinking about it, I assure you, this is the moment.

Join Summerfi here: https://summer.fi