Referral Program

Invite new borrowers and earn TON rewards for every loan they take.

How It Works

1. Get your referral link in your profile (Profile page)
2. Share the link with friends or your audience
3. Earn rewards every time a referred borrower takes and repays a loan

Where Do Rewards Come From

Referral rewards are paid from the protocol's service fee (10% of interest). This means:

• The borrower doesn't pay more than usual
• The lender doesn't receive less than usual
• The referrer receives a share of the protocol's revenue

Tier System

Your tier is determined by the protocol revenue generated by your referred borrowers over the last 30 days:

Tiers are recalculated daily based on a rolling 30-day window.

Example Calculation

Your referred borrower repaid a loan and paid 10 TON in interest:

Protocol service fee = 10 x 10% = 1 TON
Your tier: Silver (12%)
Your reward = 1 x 12% = 0.12 TON

Withdrawing Rewards

• Accumulated TON can be withdrawn at any time
• Minimum withdrawal amount: 1 TON
• A small transaction fee is deducted on withdrawal
• Funds are sent to your wallet

How to Withdraw

1. Go to Profile -> "Referral Program" section
2. Check your accumulated amount
3. Click Claim
4. Confirm — TON will arrive in your wallet

Rules

• One-time binding: a borrower is bound to a referrer on their first visit via the link. The binding doesn't change
• No self-referral: the protocol checks that referrer and borrower addresses are different
• Single level: the program is single-level — you earn rewards only for personally invited users, not "friends of friends"
• Rolling window: tier thresholds are calculated on revenue from the last 30 days. If referred users' activity decreases, your tier may downgrade

Referral Points

In addition to TON rewards, referrers earn bonus participation points for every action by referred borrowers. Referral points are awarded on top — they don't reduce the borrower's own points.

Learn more about points in Points & Leaderboard.