Referral Program
Invite new borrowers and earn GRAM rewards for every loan they take.
How It Works
- Get your referral link in your profile (Profile page)
- Share the link with friends or your audience
- 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:
| Tier | Revenue Threshold (30 days) | Your Share of Fee |
|---|---|---|
| Bronze | 0 GRAM | 10% |
| Silver | 200 GRAM | 12% |
| Gold | 1,000 GRAM | 15% |
| Platinum | 3,000 GRAM | 18% |
| Diamond | 7,000 GRAM | 20% |
Tiers are recalculated daily based on a rolling 30-day window.
Example Calculation
Your referred borrower repaid a loan and paid 10 GRAM in interest:
Protocol service fee = 10 x 10% = 1 GRAM
Your tier: Silver (12%)
Your reward = 1 x 12% = 0.12 GRAM
Withdrawing Rewards
- Accumulated GRAM can be withdrawn at any time
- Minimum withdrawal amount: 1 GRAM
- A small transaction fee is deducted on withdrawal
- Funds are sent to your wallet
How to Withdraw
- Go to Profile -> "Referral Program" section
- Check your accumulated amount
- Click Claim
- Confirm — GRAM 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 GRAM 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.