The quick answer: the AGR is like a money off voucher that increases your spending power. You allocate money to our partner brands and watch your spending power with them grow by 4.8% AGR for 12 months.
The details: it’s a reward in the form of a digital money off voucher that you receive from our merchant partners. Each time you commit money in advance to a Merchant Jar it is supercharged and your spending power with that merchant increases by a rate of 4.8% for 12 months, calculated and applied on a daily basis. This is a reward from the merchant in return for making advance payments to spend with them in the future. You can share these Jars with other HyperJar users and send some or all of the advance payment balance as a gift to anyone on the app who is happy to spend with that merchant. Money committed to a merchant Jar must be spent with that merchant, but there's no time limit. That's it.