Earning Points

1. Referral Points

Users earn Points by inviting friends to Loompay.

A referral is considered valid when:

• The invited user registers using your referral link

• The invited user completes their first spending transaction

All points are combined into a single user balance:

Total Points = Referral Points
             + Personal Spending Points
             + Team Spending Points
             + Referral Milestone Bonuses
             + Spending Milestone Bonuses
             + Team Milestone Bonuses

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1.1 Referral Point Calculation

Activity	Points
A new user registers via your referral link	+0 pts
The user completes their first spending transaction	+200 pts
Total Points per successful referral	200 pts

1.2. Referral Milestone Bonuses

Valid Referrals	Bonus Points
10 referrals	+500 pts
25 referrals	+1,500 pts
50 referrals	+4,000 pts
100 referrals	+10,000 pts

2. Spending Points

Users earn Points based on their personal spending using Loompay virtual or physical cards.

Lifetime Spending Milestones

Monthly Spending	Bonus Points
First successful spending transaction	+100 pts
$500	+50 pts
$1,000	+100 pts
$3,000	+300 pts
$5,000	+500 pts
$10,000	+1000 pts

Lifetime Team Volume Milestones

Monthly Team Volume	Bonus Points
$5,000	+200 pts
$20,000	+1,000 pts
$50,000	+3,000 pts
$100,000	+10,000 pts