One person, one account
Referrals reward introductions to real people. There is no downline, no tiered structure and no earnings claim — a referral either qualifies or it does not.
- 01
Share
Your code and link are issued after verification.
- 02
Sign up
The referred person creates their own account.
- 03
Verify
They complete identity verification independently.
- 04
Qualify
Fraud checks pass and the referral is approved.
Your referral link
Issued once your account is verified.
Your referral code
Issued once your account is verified.
- Qualified referrals
- —
- Pending rewards
- —
- Approved rewards
- —
What is checked
Referral rewards are reviewed before approval. Swift looks for duplicate accounts, repeated identity documents, shared payment instruments, device and network patterns, abnormal signup velocity, and referral farming.
Reward states
- Pending — awaiting qualification.
- Approved — checks passed.
- Rejected — did not qualify.
- Reversed — approved, then withdrawn after review.
Referral rewards are not income, not a return, and not guaranteed.