Tales of Loki · Game System

Refine Bonus System

Equip enough gear at the same refine level and you get extra stats for free — no crafting, no activation. Just gear up, and the game notices.

1What is it?

Your equipment is automatically scanned for the largest group of pieces sharing the exact same refine level. Match 3 or more, and you get a stat bonus. Push that same group to +8 or higher, and you unlock a second, stronger bonus.

Equip your gear

Nothing to activate — the system checks your current equipment every time your stats recalculate.

Largest group wins

It finds whichever refine level you have the most matching pieces at. Ties favor the higher refine.

Part 1: Base Set Bonus

3+ matching pieces at any refine level grants flat HP/SP, Hit, ATK and MATK.

Part 2: Additional Refine

If that same matching group is +8 or higher, you also get a second, scaling bonus.

2Which slots count

10 equipment slots are checked. A two-handed weapon occupying both hand slots only counts once, not twice.

Weapon (both hands)Armor
GarmentShoes
Headgear (Top / Mid / Low)Accessories (both slots)
Costume and Shadow gear never count. Costumes don't refine, and Shadow gear has its own separate refine system — only your real, main equipment slots are checked.

3Part 1 — Base Set Bonus

Works at any refine level, as soon as 3 or more equipped pieces share it.

Matching piecesMax HP / SPHitBase ATKMATK
3+1%+5+5+5
4+3%+15+15+15
5 or more+5%+25+25+25
The tier caps at 5 pieces — matching 6, 7, or more pieces still grants exactly the 5-piece bonus, nothing extra.

4Part 2 — Additional Refinement Level

A second bonus layered on top of Part 1, unlocked only when the matching group itself is refined high enough.

Requires +8 or higher. Part 2 does nothing below +8, even if you have 5 matching pieces — the group's own refine level is the gate, separate from the piece-count tiers above.
Matching piecesEffect type
3Magic Critical Damage
4Damage to All Races
5 or moreDamage to All Elements

The bonus percentage scales with the group's actual refine level, regardless of piece count:

+8
1%
+11
4%
+14
7%
+17
10%
+20
13%
+1% per refine level above +7, up to +20 (13%). +20 is the practical cap — anything higher still reads as 13%.

5Worked example

You have 4 pieces equipped at +9, plus a few others at scattered refine levels.

4 pieces is your largest group, so Part 1 grants +3% Max HP/SP, +15 Hit, +15 Base ATK, +15 MATK. Since that group is +9 (≥ +8), Part 2 also applies: with 4 matching pieces the effect is Damage to All Races, and at +9 that's +2% Damage to All Races.

6Where to check

@checkrefinebonus Shows your current matching group, both bonuses, and their exact numbers based on what you have equipped right now.
Loki Manual Book "Refine Bonus" in the menu opens the same check.

7Good to know

Tie-breakingIf two refine levels have the same piece count, the higher refine level wins.
Two-handed weaponsCounted once, not twice, even though they occupy both hand slots.
RecalculationFully automatic — swap gear and your bonus updates immediately, no re-equip trick needed.
Effect uptimeAlways on — no activation needed