Refer & Earn is a commission program that lets you earn money by sharing your unique referral link with friends and traders. When someone uses your link to purchase a challenge, you earn 15% of the purchase price as a commission — paid directly to you.

Log in to your Investing Challenges dashboard and navigate to the Refer & Earn section. Your unique referral link will be displayed there, ready to copy and share.

Simply share your unique referral link with anyone you think would be interested in Investing Challenges. You can share it via:

When they click your link and complete a purchase, your commission is automatically tracked.

You earn 15% of the net purchase price for every qualifying referral. There is no cap — the more people you refer, the more you earn. For example, if a friend purchases a $500 challenge, you earn $75.

Your referral fee is recorded when your referred friend makes a qualifying purchase using your unique link. The commission becomes eligible for payout after the waiting/review period has passed and no refund or chargeback has been initiated.

A Qualified Depositor is a referred user who completes a real, valid purchase through your referral link and meets the required activity conditions.

To qualify, the referred user must:

Only purchases from Qualified Depositors are eligible to generate a commission payout.

Your Refer & Earn dashboard shows:

Yes! You are encouraged to share your referral link on any social media platform. Just make sure your promotions are honest and do not make misleading claims about Investing Challenges products or guaranteed profits.

If your referred friend uses a discount coupon alongside your referral link, your 15% commission will be calculated on the discounted (net) price, not the original price. The coupon is applied first, and you earn 15% of what they actually pay.

If you are already part of the Investing Challenges Partners (affiliate) program, you cannot stack affiliate commissions on top of Refer & Earn commissions for the same purchase. You must use either the referral link or the affiliate link — not both simultaneously.

Yes, affiliates can participate in Refer & Earn, but the two programs cannot be combined for the same referral. Each transaction will only count toward one program.

The minimum amount required to request a payout is $40. Your balance must reach

or exceed $40 before you can initiate a withdrawal.

Once your referral balance reaches the minimum payout threshold of $40, you can request a payout by contacting our support team.

To request your payout, please email [email protected] or contact us directly through the Help section inside your portal.

Our team will review your request and guide you through the next steps.

Commissions can be paid out via all available withdrawal methods on the platform, including:

After a referred purchase is made, there is a waiting/review period before the commission is approved and added to your withdrawable balance. This period allows time to verify the transaction is valid and not subject to a refund or dispute. The exact duration is shown in your dashboard.

Yes. Before your first payout, you may be required to complete identity verification (KYC) to comply with financial regulations and ensure the security of your account. Follow the prompts in your dashboard to submit the required documents.

No. The Refer & Earn program is designed to reward the referring trader with a commission. There is no discount applied to the referred friend's purchase. The benefit is one-sided — you earn 15% when they buy.

The referral commission is earned on a referred user's first qualifying purchase only. Any subsequent purchases by the same person will not generate additional commissions for you.

There is no limit on the number of people you can refer. You can share your link with as many people as you like and earn a commission for each qualifying first purchase.

If a referred friend requests a refund for their purchase, the associated referral commission will be cancelled or reversed. This is why there is a waiting period before commissions become available — it allows time for potential refund requests to be processed.

If a referred purchase results in a chargeback or payment dispute, the commission for that referral will be voided. Repeated chargebacks from your referrals may result in a review of your account status in the program.

A commission may be rejected if:

Refer & Earn is designed for regular traders who want to share with friends casually. It's simple — share your link, earn 15%.
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​Partners Program is for professional affiliates, influencers, and high-volume promoters. It may offer different commission structures, marketing tools, and dedicated support.

Both programs cannot be combined on the same purchase.

Check your dashboard for any active leaderboard or referral contest features. Investing Challenges may run special promotions where top referrers earn bonus rewards.

Tax obligations depend on your country of residence. Referral commissions may be considered income in your jurisdiction. We recommend consulting a local tax professional for guidance specific to your situation.

If you have any questions not answered here, reach out to the Investing Challenges support team directly through the live chat or help centre on the main website. The support team can assist with commission disputes, payout issues, and account questions.