Paid Referral Terms and Conditions - Referrer - August 2025

To receive the referral reward for inviting people to Morse, you need to be a Morse user, who has access to paid referrals. 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
• Users who have had a Morse account for a certain amount of time
• Users who live in certain countries
• Users who have done certain types of transactions recently
• A combination of the above

You can check if you have access in your Morse app, by visiting the Invites screen (in the top right corner of the home page).

How it works

1. Share your referral link with someone who lives in a different country than you. Location is determined by your registered phone number's country code.
2. Your invitee opens the link, enters their phone number, and signs up to Morse, using that same phone number.
3. After they've signed up, send them money using Morse within 14 days of them entering their phone number. There's no minimum amount, but you need to pay them directly via Morse to qualify. Morse Links or stablecoin transfers do not count towards the referral reward.

We'll deposit your referral reward directly in your Morse Wallet! The amount depends on your country, and is randomly allocated based on the following chances:

If you live in the United States:

Reward	Percentage of users who get that reward
USD 10	94%
USD 20	5%
USD 50	1%

If you live in Brazil:

Reward	Percentage of users who get that reward
BRL 25	94%
BRL 50	5%
BRL 125	1%

If you live in Andorra, Austria, Belgium, Cyprus, Denmark, Finland, France, Germany, Greece, Greenland, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Malta, Netherlands, Norway, Portugal, San Marino, Spain, Sweden, or Vatican City:

Reward	Percentage of users who get that reward
EUR 8	94%
EUR 16	5%
EUR 40	1%

If you live in Bosnia and Herzegovina, Croatia, Czech Republic, Estonia, Georgia, Hungary, Kosovo, Latvia, Lithuania, Montenegro, Poland, Romania, Slovakia, or Slovenia:

Reward	Percentage of users who get that reward
EUR 5	94%
EUR 10	5%
EUR 25	1%

If you live in Mexico, the Dominican Republic, Jamaica, Oman, Papua New Guinea, Paraguay, or Suriname:

Reward	Percentage of users who get that reward
USD 5	94%
USD 10	5%
USD 25	1%

If you live in Benin, Botswana, Central African Republic, Chad, Comoros, Republic of the Congo, Eswatini, Ethiopia, Gabon, The Gambia, Guyana, Kenya, Liberia, Madagascar, Malawi, Rwanda, Saint Helena, Senegal, Sierra Leone, Togo, Uganda, Zambia, or Zimbabwe:

Reward	Percentage of users who get that reward
USD 2	94%
USD 4	5%
USD 10	1%

You can receive up to ten referral rewards. After that, you can still refer people, but you won't receive rewards for them. If the person you referred doesn't join Morse or you don't pay them via Morse within 14 days of them entering their phone number, you won't receive the bonus.

Morse reserves the right to modify or end this promotion at any time.