Paid referral Terms and Conditions - Invitee - July 2026

This program is currently available in the United States, Mexico, and Colombia. To get a reward, both you and the person who invited you need to be in one of these three countries.

How it works

1. You'll get an invite link to join Morse.
2. Accept the referral by entering your mobile phone number.
3. Download the app and sign up for Morse within 14 days of registering your phone number.
4. Within 14 days of signing up, activate a Morse Card and make at least 1 qualifying transaction of at least 5 USD (or the equivalent amount in any currency). Certain transactions like money transfers, gift cards or gambling do not count towards the reward.

When you qualify, you'll get a reward added directly to your Morse Wallet. You get the same reward amount as the person who invited you, randomly allocated based on the chances below.

Referral rewards (United States, Mexico, and Colombia):

Reward	Percentage of users who get that reward
USD 10	94%
USD 20	5%
USD 100	1%

We'll share some information about your progress with the person who invited you. This could include that you've:

• Accepted their referral by entering your mobile number
• Started the signup process
• Completed the signup process
• Completed a qualifying Morse Card transaction

We won't share any other information.

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.