What If Your Payment App Paid You Back?
Every friend you invite earns you real, ongoing money. Here's the math.
What If Your Payment App Paid You Back?
María invites her 3 roommates to Peanut. They all start paying through the app. Her rewards grow with every transaction they make, and she claims them right inside her next payment.
Diego tells his coworking space about Peanut. Several people sign up. Some of them invite their own friends. Diego earns from all of it, claiming frequent small rewards every time he pays for lunch or groceries.
Neither of them did anything special. They shared a link. That link now pays them back, ongoing, for as long as their friends keep using Peanut.
How Rewards Scale
Every time someone you invited uses Peanut, you earn a share of the revenue from their transaction. Not once. Every time. Each claim is typically between $0.08 and $2.40, depending on the transaction. More referrals and more activity means rewards accumulate faster.
When your friends invite their own friends, you earn from those connections too. One link can branch into a growing network of earnings.
There's more: every new user gets two surprise rewards after their first payments. $0.35 after their first spend, then $0.65 after their second. They don't know it's coming, and they don't need to do anything special to receive it.
No cap on how many people you can invite. No tiers to climb through. Just use the app as normal and claim as you go.
Why We Built This
I watched people share Peanut because they genuinely liked the app, not because we paid them to. Friends telling friends at dinner, nomads dropping the link in group chats, roommates setting each other up. That got me thinking: what if we made sharing worth something real?
The old system was confusing and disconnected from real value. Points, levels, badges — mechanics that looked good on paper but didn't translate to anything meaningful for users. People didn't engage with it because it didn't feel real. What they were actually doing — telling friends about Peanut because it solved a real problem — deserved something better.
So we rebuilt rewards from scratch. The new system is simple: real money, earned from real activity. You invite someone, they use the app, you earn. They invite someone else, you earn from that too. Rewards are funded by the activity in your network — the revenue generated by the people you invited.
How It Works
Share your invite link with a friend. They sign up, verify with their passport, and start using Peanut. After their first spend, they get a surprise $0.35 reward. After their second, another surprise: $0.65.
From that point on, every time your friend uses Peanut to pay in Argentina, send money to Brazil, or use PIX, you earn a percentage of the revenue their transaction generates.
Your rewards accumulate in a visible pending balance in the app. When you make a payment, a prompt appears showing what you can claim. Tap to claim, and the money moves to your spendable balance. No separate button, no extra steps.
Your friend doesn't pay extra. The rewards come from revenue Peanut earns on their transactions. They get the same rates and the same no-fee experience whether they signed up through your link or not.
No cap. No tiers. Just use the app and claim as you go.
Most referral programs give a one-time signup bonus. Peanut rewards keep going — every transaction, not just the first.
FAQ
Open the app and share your referral link. The friend you invite today could be earning you rewards by next week.
