RAFY Capital runs on a simple idea: money you plan to invest should be kept apart from money you have earned. On the platform, that split takes the form of three wallets, each with its own job.
Once you understand that structure, the platform is easy to follow. The deposit wallet funds your investment plans. The interest wallet holds the profit those plans produce. The referral commission wallet holds what you earn by bringing other investors to the platform.
For new users, learning this layout early helps more than anything else. It answers most of the questions people ask in their first week: where their money is, what they can withdraw and when.
This guide covers each step from creating an account to making your first withdrawal. It focuses on how the platform works day to day. For the long-term view of letting returns build on each other, see our companion piece, How Compound Growth Works for Long-Term Investors.
Key Takeaways
- RAFY Capital uses three separate wallets: deposit, interest (profit) and referral commission.
- The deposit wallet funds investment plans and is not withdrawable.
- The interest wallet can be withdrawn from $10.
- The referral commission wallet can be withdrawn from $50.
- The referral program pays across four levels at 12%, 5%, 2% and 1%.
The Three Wallets at a Glance
Before going step by step, here is the whole structure in one table:
| Wallet | What It Holds | Withdrawable? | Minimum Withdrawal |
|---|---|---|---|
| Deposit wallet | Capital you have set aside to invest | No, it funds investment plans | Not applicable |
| Interest wallet | Returns from your active plans | Yes | $10 |
| Referral commission wallet | Commissions from your referral network | Yes | $50 |
Your Journey in Five Steps
- Register at rafycapital.com and explore your dashboard.
- Fund your deposit wallet.
- Activate an investment plan that suits your goals.
- Earn returns in your interest wallet and commissions in your referral wallet.
- Withdraw once a wallet reaches its minimum, or reinvest for growth.
The sections below walk through each of these in detail.
Step One: Opening an Account
Everything begins with registering at rafycapital.com. Once your account is active, your dashboard shows all three wallets, your active plans and your referral details on one screen.
This is also where you will find your personal referral link. You don't need to use it right away, but it is created with your account, so every investor has one from the first day.
The dashboard is your main source of information. Balances, plan status and commission records all appear there. Getting familiar with it early makes the rest of the process easier.
Tip: Spend a few minutes exploring the dashboard before your first deposit. Knowing where each balance appears makes every later step feel familiar.
The Deposit Wallet: Capital That Works
When you fund your account, the money goes into the deposit wallet.
The deposit wallet is for investing, not withdrawing. It is where you move capital into an investment plan. Keeping deposit funds apart from returns means your investment balance is never mixed up with the profit it produces.
In practice, it helps to think of this wallet as a staging area. Funds arrive, and then they are put into a plan.
That design encourages a deliberate approach. Before you deposit, decide how much capital you want to invest and which plan fits your goals. Then use the deposit wallet as the channel to get it there.
Choosing an Investment Plan
RAFY Capital offers a set of investment plans. Each one has its own terms, including the minimum amount, the duration and how returns are paid. All of these details appear on the plan page before you commit, so you can compare them side by side.
A few questions are worth asking at this stage:
| Question | Why It Matters |
|---|---|
| How long do you want your capital committed? | Points you toward a plan duration that fits your timeline |
| How often do you want returns credited? | Matters most if you rely on regular income |
| Will you withdraw profits or reinvest them? | Shapes whether you focus on income or long-term growth |
The answers point to different plans. An investor who wants regular income will read the terms differently from one who is aiming for maximum growth over a longer period.
When you activate a plan, the chosen amount moves from your deposit wallet into that plan. From then on, the plan appears on your dashboard with its status and the returns it has produced.
The Interest Wallet: Where Returns Arrive
This is the part most investors watch most closely.
Returns from your active plans go into the interest wallet, sometimes called the profit wallet. Unlike the deposit wallet, this balance can be withdrawn once it reaches $10.
That low threshold is intentional. Investors can take out earnings in small, regular amounts instead of waiting for a large balance to build up. For someone who wants a steady income, it means access to profits early and often.
The interest wallet also gives you a choice:
- Withdraw your profits as regular income, or
- Reinvest them to put your earnings back to work.
That choice is the basis of compound growth, which our compound growth article covers in detail. Either way, the decision is yours, and your dashboard shows the figures you need to make it.
The Referral Program: Four Levels Deep
The third wallet is fed by RAFY Capital's multi-tier referral program. It pays commissions across four levels of your network:
| Level | Who It Includes | Commission Rate |
|---|---|---|
| Level 1 | People who join directly through your referral link | 12% |
| Level 2 | People your Level 1 referrals bring in | 5% |
| Level 3 | The next step down the same chain | 2% |
| Level 4 | The fourth step down the same chain | 1% |
Commissions are based on qualifying activity in your network, as defined on the referral page of your dashboard.
A Worked Example
Say each level of your network produces $1,000 in qualifying activity:
| Level | Qualifying Activity | Rate | Your Commission |
|---|---|---|---|
| Level 1 | $1,000 | 12% | $120 |
| Level 2 | $1,000 | 5% | $50 |
| Level 3 | $1,000 | 2% | $20 |
| Level 4 | $1,000 | 1% | $10 |
| Total | $200 |
That comes to $200 in commissions from a network you started by sharing one link.
Because of the tiered structure, most of the reward comes from the people closest to you, and you still earn from the growth that follows.
The Referral Commission Wallet
Referral earnings go into their own referral commission wallet, separate from investment profits. Commission balances can be withdrawn once they reach $50.
Keeping commissions apart has a practical advantage. You can see how much of your income comes from investing and how much comes from growing a network. For investors who promote the platform actively, that makes it easy to measure how well the referral effort is working.
The $50 threshold also fits how referral income usually builds: in batches, as new members join and become active.
Putting the Three Wallets Together
Taken together, the three wallets give a clear picture of your account:
- Deposit wallet: capital you have set aside to invest
- Interest wallet: what that capital has earned, withdrawable from $10
- Referral commission wallet: what your network has earned you, withdrawable from $50
No balance is ever mixed with another. Every dollar on your dashboard has a clear label, and each wallet has a single, clear purpose.
That clarity matters most when you start planning. An investor can decide to withdraw interest every month, let referral commissions build up, and add new deposits over time. Every part of that plan is easy to track.
Making Your First Withdrawal
When your interest wallet reaches $10, or your referral commission wallet reaches $50, you can request a withdrawal from the dashboard.
Two habits are worth building here:
- Check your payout details before you submit, so the money reaches the right place.
- Keep a simple record of each withdrawal alongside your plan activity. Over time, that record shows exactly how your account has performed.
Milestone: Many investors see the first withdrawal as a milestone. It shows the full cycle working as intended: funds deposited, invested, earning returns and paid out.
A Practical Starting Checklist
For new investors, the first steps come down to a short list:
- [ ] Register and explore the dashboard before depositing.
- [ ] Read the plan pages and choose the terms that suit your timeline.
- [ ] Fund your deposit wallet with an amount that fits your personal financial plans.
- [ ] Activate your plan and watch returns arrive in your interest wallet.
- [ ] Decide early whether to withdraw profits as income or reinvest them for growth.
- [ ] Share your referral link with people who would value the platform.
None of these steps is complicated. But taking them in order gives new investors a solid footing from the start.
Frequently Asked Questions
Can I withdraw from the deposit wallet?
No. The deposit wallet is used to fund investment plans. Your withdrawable balances are the interest wallet and the referral commission wallet.
What is the minimum withdrawal from the interest wallet?
You can withdraw from the interest wallet once it reaches $10.
What is the minimum withdrawal for referral commissions?
The referral commission wallet can be withdrawn once it reaches $50.
How many referral levels earn commission?
Four levels, at rates of 12%, 5%, 2% and 1%, based on qualifying activity as defined on your dashboard's referral page.
Where do I find my referral link?
It is created with your account and appears on your dashboard from day one.
Where to Go From Here
Once you understand the wallet structure, the rest of the platform follows from it. The next thing to think about is strategy: how much to reinvest, how to space out your deposits, and how returns add up when you give them time.
That is the subject of How Compound Growth Works for Long-Term Investors, the natural next read after this guide.
For now, the main point is simple. RAFY Capital keeps your capital, your profits and your referral earnings in three separate wallets, each with a clear rule for how it can be used. That gives every investor, new or experienced, a clear view of their money.
Ready to begin? Register at rafycapital.com, explore your dashboard and take your first step toward steady, well-organised growth.