What happens when someone you invited to RAFY Capital invites someone else? Under the RAFY Capital referral program, you can still earn from it. The program pays commission across four levels of your network, so a single invitation can keep adding to your balance well past the first sign-up.
Many referral schemes stop at one level: you invite a friend, you get a one-off reward, and that is the end of it. RAFY Capital pays on four levels at set rates. It also keeps those earnings in their own wallet, with their own rules.
This guide explains how the tiers work, where your commission lands and how to plan around the withdrawal threshold. If you're new to the platform, start with how RAFY Capital works first.
The four commission tiers in the RAFY Capital referral program
The structure goes down in steps. The people you invite directly earn you the highest rate. Each level further out pays a smaller share.
| Level | Who it covers | Commission rate |
|---|---|---|
| Level 1 | People you invite directly | 12% |
| Level 2 | People your Level 1 referrals invite | 5% |
| Level 3 | People invited by your Level 2 | 2% |
| Level 4 | People invited by your Level 3 | 1% |
Together, the four levels add up to 20%. Most of that, 12 points, comes from your direct invitations. That matters for strategy: Level 1 is the part you control most, and it pays the most.
Levels 2 through 4 pay less, but they come from growth you didn't have to create yourself. When your direct referrals share the platform with their own contacts, part of that activity comes back to you.
A worked example: how referral commission adds up
Numbers make this clearer. The scenario below is illustrative only. Your real commission depends on who joins and how much they invest, and nothing here is a promise of earnings.
For example, say one person in each level of your network invests $1,000:
- Your direct referral invests $1,000, so you earn 12%, or $120.
- Their contact invests $1,000, so you earn 5%, or $50.
- The next person invests $1,000, so you earn 2%, or $20.
- The fourth-level investor puts in $1,000, so you earn 1%, or $10.
That totals $200 in referral commission from four people, and you only invited one of them directly.
The example also shows a practical point. The first $120 came from the one person you invited yourself. Levels 2 to 4 add real value, but the base of any referral network is the people you bring in directly.
Where your earnings go: the referral commission wallet
RAFY Capital doesn't pool all your money in one balance. Your account has three separate wallets, and referral earnings go into one of them.
- Deposit wallet: the funds you put into investment plans. This wallet is for investing and can't be withdrawn from.
- Interest wallet: the returns from your investment plans. You can withdraw from $10.
- Referral wallet: commission from your network across all four levels. You can withdraw from $50.
Keeping them apart makes things clear. You always know how much came from your own plans and how much came from referrals, and each wallet has its own withdrawal rule. To see where each wallet sits in your account, read our RAFY Capital dashboard guide.
Making the RAFY Capital referral program work for you
Knowing the rates is the easy part. Getting steady results from them takes a slightly different approach.
Invite people who will actually use the platform
The best referrals are people who are already interested in investing and will take the time to learn how the plans work. A few engaged investors are worth more than many sign-ups who never fund an account. They are also more likely to invite others, and those invitations are what fill Levels 2 to 4.
Help your direct referrals get started
You benefit when your Level 1 referrals do well, so it makes sense to help them get set up. Send them the RAFY Capital dashboard guide so they can find their plans, wallets and referral link without guessing. Investors who feel confident tend to stay and share.
Plan around the $50 threshold
In the illustrative example above, the Level 1 commission alone clears the $50 minimum. Smaller networks may take longer to get there, and that's fine. Commission builds up in the referral wallet until it reaches $50, and then you decide when to withdraw.
The referral program pays most for the people you invite directly, but the four-level structure means a good network can keep adding to your balance long after that first invitation.
Referral income and long-term growth
Referral commission also fits into a longer-term plan. Some investors withdraw it as it comes in. Others treat it as extra capital and put it to work alongside their main plans.
Either choice is reasonable. What matters is having a plan. If you want to see how the investment plans work before putting earnings back in, our guide to getting started with RAFY Capital covers the basics.
Start building your referral network
The RAFY Capital referral program is easy to understand once you see how it's built: four levels at 12%, 5%, 2% and 1%, a dedicated referral wallet, and a clear $50 withdrawal minimum. Your referral link is in your dashboard, ready to share.
If you haven't opened an account yet, visit RAFY Capital to explore the investment plans, make your first deposit and get your referral link.