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Merchants can configure and manage “Invite & Rebate” campaigns via the campaign list. By leveraging user referrals, this feature encourages new user registration, card issuance, and spending activities, ultimately improving user acquisition, engagement, and retention. The feature consists of five main modules:

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Reward Rules Module

Used to create and maintain the core mechanism of the Invite & Rebate campaign. Merchants can flexibly configure invitation criteria, member levels, rebate rates, reward distribution, and clawback rules to ensure the incentive mechanism is both controllable and sustainable.

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Activity Visibility Settings

Control whether the campaign is displayed in the App frontend, with one-click activation or deactivation.
  • Enabled: The campaign is displayed in the App, allowing users to view campaign details and participation requirements.
  • Disabled: The campaign is hidden, used for backend data tracking or testing only.

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Valid Referrals

Defines when a formal invitation relationship is established. The system supports multiple activation triggers, selectable by the merchant:
  • Successful registration
  • Completed KYC verification
  • Successful card issuance
The system supports a default 2-tier invitation structure:
Direct invitation: A enters inviter code B upon registration — A is B’s direct invitee.
Indirect invitation: B enters code A upon registration, and C enters B’s code — C has an indirect relationship with A.

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Member Level System Configuration

Merchants can define multiple invitation levels (up to V10) for more complex reward strategies.
  • Level Requirements: Each level requires a certain number of valid invitees.
  • Level Rewards:
    Distinguish between direct and indirect relationships.
    Supported triggers include:
    • Invitee successfully opening a card
    • Invitee completing a qualified transaction (with configurable spending thresholds)
      Configure rebate percentages for each trigger.
Example: Level V3 can be set to “≥ 30 valid invitees” with a 1% rebate for direct invitees’ transactions exceeding 50 USDT.

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Reward Settlement Rules

Define reward distribution mechanics to ensure compliance and budget control.
  • Reward Currency: Select the payout currency (recommend stablecoins such as USDT to avoid FX volatility).
  • Settlement Cycle:
    • Card issuance rewards: daily settlement recommended
    • Spending rebates: 30-day settlement recommended
  • Reward Claim Threshold: Set a minimum claimable amount to avoid frequent payouts of small rewards and reduce operational costs.

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Reward Reversal Rules

If an invitee issues a refund, the inviter’s reward is clawed back proportionally: Refund Reversal = Refund Amount × Rebate Percentage By default, the amount is deducted from the inviter’s unclaimed reward pool (can go negative) to maintain a closed-loop reward model. ###Rule Copywriting Provide clear operational text for frontend display, including but not limited to:
  • Reward life cycle
  • Referral Level explanation
  • Reward distribution and claiming logic
  • Reward clawback conditions

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II. Member Ranking

Displays the performance rankings of members participating in the activity, helping merchants identify high-value users and measure effectiveness.

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Invitation Performance Data

  • Member referral code
  • Current level
  • Rule details

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Earnings Statistics

  • Total accumulated rewards
  • Claimed reward amount
  • Unclaimed reward amount
  • Overall earnings rank

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Invitation Effectiveness Analysis

  • Number of direct invitees
  • Number of activated invitees
  • Activation rate (Activated / Total Invited)
  • Successful card issuances by invitees
  • Number of settled transactions

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Invitation Records

Detailed historical records of each invitation:
  • Invitee ID, email
  • Activation status and method (Registration / KYC / Card Issuance)
  • Relationship start date

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Reward Claim Records

Detailed logs of claimed rewards:
  • Currency, amount, claim date

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Reward Settlement Records

Historical rebate settlement logs:
  • Invitee ID, email
  • Relationship type (Direct / Indirect)
  • Trigger event (Card issuance / Spending settlement)
  • Rebate rate, reward amount, settlement date
  • Linked original record (transaction or issuance, with clickable link)

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Reward Reversal Records

Reward Reversal due to refunds:
  • Original inviter ID, email
  • Referral type
  • Refund type (Spending refund)
  • Clawback percentage, amount, currency, date
By default, refunds result in proportional reward clawbacks from the inviter’s unclaimed reward pool in real time.

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III. Member Invitation Records Module

Enables operators to review all member invitation activities. Main fields:
  • Member ID, invite code
  • Total invitees
  • Activated invitees
  • Invitation date, activation criteria
  • Relationship type and tier (Direct / Indirect)

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IV. Merchant Reward Settlement Module

Displays all rewards settled by the merchant to members, enabling audit and traceability to ensure authenticity and compliance. Fields include:
  • Reward currency and amount
  • Invitee ID, email
  • Relationship type (Direct / Indirect)
  • Trigger action (transaction settlement / Card issuance)
  • Rebate rate, settlement date
Click to view related transactions or issuance details.

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Member Reward Claim Records

Displays all member reward claim history, supporting financial tracking and reconciliation. Fields include:
  • Claimant ID, email
  • Reward currency
  • Reward amount
  • Payout date
  • Status (Success / Failed / Rejected)