Paid referral Terms and Conditions - Referrer - August 2026

To earn a reward for inviting people to Morse, you need to be a user with access to paid referrals. To check if you're eligible, tap 'Invite' on the home page of your app.

This program is currently available in Mexico and Colombia. To earn a reward, both you and the person you invite need to be in one of these two countries.

We may offer paid referrals to different groups of users at different times. For example, we may offer them to users who:

• have recently signed up
• have had a Morse account for a certain amount of time
• live in certain countries
• have done certain types of transactions recently

Or a combination of the above.

How it works

1. Share your invite link with someone who hasn't used Morse before.
2. They open the link, enter their phone number, and sign up to Morse using the same phone number.
3. Within 30 days of signing up, they need to do at least one of the following:
   • They spend 100 USD or more by card (or the equivalent in any currency) across qualifying transactions. Some transactions, like money transfers, gift cards, or gambling, don't count.
   • They receive at least 250 USD in qualifying deposits to their USD Account Details — such as salary or payments from clients or platforms. Self deposits and payments from certain neo-banks don't qualify. The deposit needs to come from someone else — it can't be money they moved from their own account elsewhere.
4. We'll add your referral reward directly in your Morse Wallet. The amount is randomly allocated based on the chances below.

Referral rewards (Mexico and Colombia):

Reward	Chance of getting this reward
USD 20	94%
USD 50	5%
USD 200	1%

The amounts above are current at the date of this page and may change.

You get one reward for each person you invite who qualifies, even if they complete both of the steps above. The person you invite earns their own separate reward for each step they complete.

You can receive up to 10 referral rewards total across our previous referral program and this program. Once you've reached that limit, you can still invite people, but neither you nor the person you invite will receive a reward. If the person you invite doesn't join Morse and complete at least one of the steps above within 30 days of signing up, neither of you will get a reward.

If you or the person you invite isn't in Mexico or Colombia, the referral reward program isn't currently available.

Morse reserves the right to modify, withhold or cancel referral rewards, or to suspend or end this promotion at any time, including if we suspect fraud, abuse, or other activity that violates these terms or our policies.