You can choose between either of these.
The choice of what is used first and how they are earned was done during first time setup.
To change this you simply need to re-run first time setup.
To do this for iPhone/iPad please see : https://ultimatevaluediary.freshdesk.com/solution/articles/5000539947-iphone-ipad-how-do-i-rerun-setup
For Android please see : https://ultimatevaluediary.freshdesk.com/solution/articles/5000541785-android-how-do-i-rerun-first-time-setup