Invite your friends to MAAARPay and you can both earn rewards. MAAARPoints for your friend, and USDC for you. Here's how it works.

How it works

  1. Share your referral code or link. You'll find your personal referral code, share link, and progress tracker on the Referrals screen in the app.

  2. Your friend signs up and completes verification. As soon as they register, a 200 MP bonus appears in their account as pending. Once your friend passes KYC, it unlocks and they receive 200 MAAARPoints (MP).

  3. Your friend spends with their own funds. Once your friend has made at least one card transaction and spent a total of $10 of their own funds, your reward is unlocked. Only spending from your friend's own funds counts toward this. Bonus or promotional balances don't count.

  4. You get paid 7 days later. As soon as your friend registers, a $5 USDC bonus appears in your account as pending. It unlocks once your friend has passed KYC and met the $10 spend requirement, and is credited to your account 7 days after that.

What your friend gets
200 MAAARPoints, unlocked as soon as they pass identity verification (KYC). No spending required on their part.

What you get
$5 USDC, unlocked once your friend has both passed KYC and spent $10 or more of their own funds (with at least one card transaction). The reward is paid out 7 days after that spend threshold is reached.

Referral limits

  • Qualifying window: a referral must reach the KYC and spend milestones within 90 days of your friend's signup, or it expires and no reward is paid.

  • Referral cap: you can earn rewards for up to 20 paid referrals. You can still invite more friends beyond that, but additional referrals won't generate further USDC rewards.

  • Each person can receive the welcome bonus only once. One account per verified identity.

Good to know

  • If a qualifying purchase is later refunded, it no longer counts toward the $10 requirement, and a bonus that hasn't been released yet may return to pending.

  • Referral rewards are subject to fraud checks. Self-referrals, fake accounts, or abuse of the program will result in bonuses being cancelled and may lead to account suspension.

  • MAAARPay may modify, pause, or end the referral program at any time. The reward amounts and conditions in effect at the time of your friend's registration apply.

Need help?
If you believe a referral reward hasn't been credited correctly, reach out to our support team at Support@maaarpay.com with your referral code and your friend's sign-up details, and we'll look into it.