Referral & Growth Infrastructure
Expand your user base rapidly with viral growth loops and token economy.
Contact UsWhat Is the Referral & Growth Infrastructure Module?
The Referral & Growth Infrastructure module gives fintech platforms and financial services companies a configurable growth engine that turns existing users into an acquisition channel. Instead of relying solely on paid media, the module creates incentive structures that make sharing and referral a natural part of the user journey.
The module supports traditional referral programs alongside optional token economy mechanics — allowing platforms to experiment with Web3 incentive models without committing to a full blockchain deployment.
Core Capabilities
Viral Loop Mechanics
Growth loops are engineered into the user experience rather than added as an afterthought. Every acquisition event — sign-up, first transaction, KYC completion — can trigger a reward for both referrer and referee, creating compounding acquisition dynamics.
- Two-sided referral rewards: referrer and referee both incentivized
- Multi-step reward triggers: based on specific milestone completion
- Configurable reward types: cash, account credits, fee waivers, rate upgrades
- Shareable referral links, QR codes, and in-app invite flows
- Fraud prevention: duplicate detection, velocity limits, self-referral blocking
Campaign Management
Marketing and growth teams can create, launch, and monitor referral campaigns without engineering support. A/B testing, audience segmentation, and time-limited promotions are managed through a self-serve campaign builder.
- Self-serve campaign creation with reward rules and validity windows
- Audience targeting: by plan tier, geography, acquisition channel, or custom segment
- A/B testing: compare reward structures and messaging variants
- Campaign performance dashboard: clicks, conversions, CAC, payback period
- Budget caps and automated campaign pause on threshold breach
Optional Token Economy
Platforms exploring Web3 growth mechanics can deploy ERC20-compatible reward tokens alongside traditional incentives. Token distribution, vesting schedules, and staking models are configurable without smart contract development.
- ERC20 reward token minting and distribution infrastructure
- Token vesting schedules: cliff, linear, and milestone-based unlock
- Optional staking model: locked tokens earn yield or platform benefits
- Token balance wallet view within the main app experience
- Regulatory compliance hooks for token classification and reporting
Attribution & Analytics
Every acquisition event is attributed to its source with full funnel visibility. Cohort analysis reveals which referral channels, campaigns, and reward structures produce the highest lifetime value customers.
- Real-time attribution: referral source tracked through multi-step journeys
- Cohort analysis: LTV, activation rate, and churn by acquisition source
- Revenue contribution per referral campaign with ROI calculation
- Fraud analytics: flagged accounts, blocked events, and manual review queue
- Export to BI tools via API or CSV
Who Is This For?
- **Neobanks** growing user bases through network effects
- **Fintech platforms** reducing reliance on paid acquisition channels
- **Crypto and Web3 companies** building token-based incentive economies
- **Lending and investment platforms** driving account opening through referrals
Integration Points
The Referral & Growth module connects with the Wallet & Payment module for automated reward distribution, the Subscription & Revenue module for plan upgrade incentives, and the Analytics & Risk module for acquisition cohort performance tracking.