Acquire higher-value customers at a fraction of paid-channel cost
Referral is the lowest-cost, highest-trust acquisition channel in financial services. You pay only after a referred customer funds an account, not for clicks or impressions. Built for the compliance, security, and fraud requirements regulated financial brands operate under.
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5–15%
of new customers come from referral
3–4x
higher lifetime value than other channels
18x
return on investment
The most efficient channel in financial services
Paid acquisition keeps getting more expensive and lower quality. Referral does the opposite: trusted introductions that cost less and convert into better customers.
Pay only for funded customers
Rewards trigger after a referred customer funds an account or hits a qualifying event, not on clicks or impressions. Your spend maps directly to real, verified customers.
Higher-value, lower-risk customers
Referred customers arrive pre-trusted and self-selected, so they retain longer, churn less, and deliver three to four times the lifetime value of other channels.
A channel that compounds
Every satisfied customer becomes a source of new ones. Referral grows as your base grows, sitting alongside paid media at a fraction of the cost.
Built to run safely in a regulated environment
The security, fraud, and compliance controls your teams require, built in from the start.
ISO 27001 certified
Independently audited security. Clears your vendor review before the evaluation even begins.
Event-based rewards
Pay out only on identity verification, account funding, or a qualifying deposit, never on a click.
Automatic rewards, with control
Distribute most rewards automatically. Hold any reward for manual review when you choose, with role-based approval and a full audit trail.
Flexible rewards
Reward in cash, account credit, points, or gift cards, disbursed automatically once a reward clears.
Fraud controls for finance
Detect self-referral, multi-account farming, and velocity abuse, and pair cleanly with identity verification.
Experimentation built in
A/B test rewards and messaging, measure the lift, and drive acquisition cost below your paid channels.
How a compliant referral works
Customer refers
An existing customer shares your program from your site or mobile app.
Friend qualifies
The referred person passes identity verification and funds their account.
Fraud check clears
Automatic detection approves the reward instantly, or holds it for review if flagged.
Reward disburses
Cash, account credit, or a gift card is issued automatically once the reward clears.
Turn your customers into your best acquisition channel
See how leading financial brands lower acquisition cost and win higher-value customers with referral. We will walk through a program built for your business.
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