How Do Peanut Rewards Work?

Peanut Rewards is a referral revenue-share system. When you invite friends to Peanut and they make payments, you earn a share of the revenue Peanut generates from their transactions. This isn't a one-time thing — you keep earning as long as they keep using the app.

Here's a full breakdown of how the system works, what new users get, and how to claim what you've earned.

What Are Rewards?

Rewards are real money you earn by inviting people to Peanut. Every time someone you referred makes a payment through the app, Peanut shares a portion of the revenue from that transaction with you. The rewards accumulate in your account and can be moved to your spendable balance.

Rewards are not points. Peanut has a separate points system that works as a gamification score. Points and rewards are completely independent — points cannot be converted to rewards, and rewards are not points. Rewards are actual money you can spend.

How Referral Earning Works

The referral system is multi-level. If you invite a friend, you earn from their transactions. If that friend invites someone else, you earn from that person's transactions too.

Here's an example: Alice invites Bob. Bob invites Charlie. Alice earns a share of revenue from both Bob's and Charlie's payments. Bob earns from Charlie's payments. Rewards are funded by real activity — they come directly from the revenue generated by the people in your referral chain.

There is no cap on how many people you can invite, and no limit on how deep the chain goes. Your earning potential grows as your referral network grows.

New User Surprise Rewards

When a new user activates their Peanut account, they receive two surprise rewards across their first two QR payments. These aren't announced beforehand — they show up as surprises after each transaction.

• First QR payment after activation: A surprise modal appears: "You earned $0.35!"
• Second QR payment: A claim popup appears: "$0.65 reward!"

The combined total is $1.00. This is a one-time welcome reward funded by Peanut, separate from the ongoing referral system. After these two surprises, all future rewards come from the referral revenue share.

How Claiming Works

Rewards accumulate in a visible pending balance inside the app. To move them to your spendable balance, you need to make a payment. Here's what happens:

1. You have pending rewards in your account
2. You make a QR payment
3. A claim prompt appears after the payment
4. Tap to claim — the reward moves to your spendable balance

There is no separate claim button or menu. The claim prompt is tied to making payments.

Card Payments and Claiming

If you pay with a card instead of a QR code, the claim flow works slightly differently. Card payments don't trigger a real-time claim prompt. Instead:

• Rewards still accumulate in your pending balance
• The next time you open the app, a claim prompt appears in the home screen carousel
• Push notifications also alert you when rewards are ready to claim

The result is the same — you still get your rewards. The timing of the prompt is just slightly delayed compared to QR payments.

Your Rewards Dashboard

The app includes a rewards dashboard where you can track everything:

• Pending balance — rewards earned but not yet claimed
• Earnings history — a record of all rewards you've earned
• Claim history — when and how much you've claimed
• Referral list — who you've invited and their activity