Liana Banyan membership costs $5 per year. But if you are an active participant, you may never pay that $5 again.

Marks Payback automatically renews your membership using Credits you have already earned — at zero out-of-pocket cost.

How It Works

If you have earned 100 or more Marks during your membership year AND you have at least 5 Credits in your account, the platform automatically renews your membership for you.

  • 5 Credits are deducted from your balance
  • Your membership extends for another year
  • You receive a notification: “Your membership has been renewed through Marks Payback”
  • You pay nothing out of pocket

The system runs automatically every week, checking members whose memberships expire within 7 days.

What It Means

The $5 membership fee is not a barrier — it is a commitment signal. But once you have demonstrated commitment through participation (100 Marks = roughly a few months of moderate activity), the cooperative says: “You have earned this. Your membership is on us.”

The Credits still come from your account, so the cooperative still collects its operating revenue. But you earned those Credits through your participation, so you are effectively paying for your membership with your work.

This is the cooperative flywheel in action. Participate → earn Marks → earn Credits → membership renews automatically → keep participating.

Eligibility

  • Earn 100+ Marks in your current membership year
  • Have 5+ Credits in your account
  • That is it

No application. No approval. No paperwork. If you qualify, it happens automatically.

Just keep contributing. When your renewal comes up, Marks Payback handles the rest.