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Monthly you will get 1 crate for every 200K tokens held over the average of the month.

I'm still confused. Do I get something for 20k tokens, or is there no point in holding less than 200k tokens.

With 20k tokens you will be able to participate in the game.
With 200k tokens you will get a discount of 30% on all crate purchases, and get 1 crate monthly airdropped to you