No Deposit Forex Bonus and Top Offers for 2021

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How to Purchase Dogecoin in 2021

How to purchase and store Dogecoins as of January 29 of 2021
A few ground rules/notes:
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How to buy Dogecoin
Note 1: Before diving in, all services listed below are third parties. This forum, as well as myself, are in no way affiliated or associated with these parties.
One of the most straightforward ways to obtain Dogecoin is by purchasing a different cryptocurrency on Coinbase such as Litecoin or Ethereum (or a stablecoin such as USDC) and then using Changelly to quickly and efficiently exchange it for Dogecoin. Coinbase itself does not allow you to purchase Dogecoin. This is why you have to use Changelly to swap another cryptocurrency for Dogecoin. More information on how to use Changelly can be found here.
If Changelly isn't currently allowing Dogecoin swaps (which happens frequently and sporadically), the next easiest option for obtaining Dogecoin is a mobile app such as Voyager. Voyager does not require verification and instantly allows you to purchase Dogecoin and other cryptocurrencies seconds after signing up. However, Voyager appears to be imposing a brand-new waitlist and does not allow transactions from New York State.
Dogecoin can indeed be purchased through popular trading app Robinhood. However, falling trust for the platform advocates for using other methods to obtain Dogecoin. It's worth noting that Robinhood does not allow you to move Dogecoin off of its platform. This tends to be the case with almost any mobile app for cryptocurrency purchasing. This means that you cannot send Dogecoin from Robinhood to a wallet or exchange. Unfortunately, this leaves you at the mercy of Robinhood. Additionally, Robinhood recently updated it policies and no longer allows instant deposits--even with its gold membership. This means that after initiating a deposit, you have to wait a minimum of 4-5 days no matter what before obtaining Dogecoin.
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Mobile apps that allow you to purchase Dogecoin:
Please note that some of these mobile applications do NOT allow you to withdraw balances to personal wallets.
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Dogecoin can be obtained with fiat currency in the USA through:
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Dogecoin can be purchased with fiat currency in the EU via:
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Exchanges that allow you to trade other cryptocurrencies for Dogecoin inside the USA:
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Exchanges that allow you to trade other cryptocurrencies for Dogecoin outside of the USA:
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How to store your Dogecoin
I highly advise that you use the official Dogecoin wallet. However, there are countless other places capable of storing your Dogecoin and other cryptocurrencies. Exodus is also a fantastic wallet for storing Dogecoin as well as countless other cryptocurrencies. Additionally, Exodus has a built in swapping feature that allows you to trade tons of different cryptocurrencies for Dogecoin. If the Dogecoin official wallet requires too much disk space, you may find that the lightweight Multidoge Wallet is more suitable. However, I only recommend the lightweight wallet as a last resort--as it is harder to configure and may require more of your time.
Note 2: Please allow your Dogecoin Core wallet to fully synchronize before depositing your Dogecoin. Depositing Dogecoin before synchronization can cause the wallet balance to be incorrect. You can significantly speed up the process of wallet synchronization by downloading the Bootstrap for Dogecoin and placing it inside your Dogecoin Wallet data directory. To download the Bootstrap and view instructions on how to place it in your data directory, click here. Please note that the Boostrap file is pretty large--clocking in at just over 12GB.
Note 3: When setting up your wallet, you'll be presented with a private key. Never ever share this key with anyone. This key is essentially your coins. If you lose this private key, you will lose your Dogecoins.
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Official Dogecoin Wallets:
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Other cryptocurrency wallets:
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Mobile Dogecoin Wallets:
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Enjoy guys. I hope you have a safe and successful time getting yourself some fresh Dogecoin. If you have any advice or additions for this post, feel free to comment them and I'll add them. Stay safe everyone. To the moon guys!! 🚀
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Previous How to Buy Dogecoin (outdated)
​
Sincerely,
-Clancy
​
  1. Edit 1/29/21 9:00AM EST: Changelly removes support for Dogecoin. Voyager added as next easiest option. Binance added to purchase list.
  2. Edit 1/30/21 1:30AM EST: Added a list of apps that allow the purchase of Dogecoin (Blockfolio being the latest and greatest). Added information regarding the hellstorm of bottle-necks and verification restrictions imposed by trading platforms recently.
  3. Edit 1/30/21 9:57AM EST: Added Uphold to mobile app list. Changelly re-enables Dogecoin swaps. Removed Webull from mobile app list. Changed minor wording & spacing.
  4. Edit 1/30/21 12:04PM EST: Added additional ticker "XDG" in opening statement. Changelly temporarily disables Dogecoin swaps once again.
  5. Edit 1/31/21 11:20AM EST: Added AnchorUSD to mobile app list. Added stablecoin USDC to suggested Coinbase/Changelly swap options.
  6. Edit 2/1/21 9:50AM EST: Added a note under the mobile application list stating that they are closed ecosystems. Added Guarda and Cash App to mobile app list. Added Bittrex to USA fiat currency purchasing list.
  7. Edit 2/2/21 3:26PM EST: Added Dogecoin Wallet Bootstrap information under Note 2.
  8. Edit 2/7/21 11:17PM EST: Added Robinhood to mobile app list. Changed Blockfolio info to "allows withdraws to personal wallets."
  9. Edit 2/8/21 3:40PM EST: Updated Uphold info to "allows withdraws to personal wallets." Updated Voyager info to "allows withdraws to personal wallets but does not support Dogecoin withdraws."
submitted by Clancy-2 to dogecoin [link] [comments]

$1541+ Guaranteed- Webull, Public, M1, SoFi Money/Invest/Loans, FirstTrade, Voyager, Chase, Porte, Aspiration, One, Stash, Chime, Radius, Moomoo, Root, Robinhood, Worthy, Acorns, ChaseFreedom, DiscoverIT, PMCU, SkyOne, N26, Coinbase, PersCap,Constant,Celsius,Crypto.com,Wings,Oxygen,Round,Fetch,Raise

Hello! Many companies are trying to expand their market share, especially in the app space, by offering cash or cash-equivalent incentives to new users. If one company offers new users a free stock/cryptocurrency/etc., and a competitor doesn't, then the company with the referral program will gain more market share. This gives you the opportunity generate a nice chunk of change by signing up for a bunch of different apps.
I constantly search the web for the latest and greatest referral opportunities, and this is an up-to-date list I'm maintaining that details the best offers around right now! There are more than $1500 worth of offers on this page.
Please feel free to leave comments with any thoughts/questions! Gemini, Crypto.com, and N26 are worldwide offers, the rest are US only.

Stock Trading Apps/Websites

Banking Apps/Websites

Cryptocurrency Apps/Websites

Credit Cards

Other Offers

--Details on each offer below--

Stock Trading Apps/Websites-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and 1 worth $8-$1600 each for depositing $100). That's a MINIMUM of $10.50 in free stock!
Webull is available on iOS and Android, or you can use their website.
Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you 1 stock worth $10 guaranteed (you get to pick a fraction of a share between stocks like Disney, Apple, Amazon, Tesla, etc.) for opening an account and making a $20 deposit. The way fractional shares work is, you get a piece of one of these stocks. You can still sell it or choose to sell it/hold it/it or whatever you wish, just like with a full share.
Available on iOS or Android only.
http://share.public.com/aruiu

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $30 bonus that posts within 14 days.
M1 Finance is available on iOS and Android, or you can use their website.
https://m1.finance/J6aLCt6SRGdW

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. Additionally, they are running a short-term promo where you can get an additional 2 free stocks for depositing $100. The extra 2 stocks offer expires February 15th!
Available on iOS or Android only.
https://share.firstrade.com/MilaAQOK

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS and Android, or you can use their website.
https://invite.robinhood.com/amadeor3/

Moomoo

Moomoo is a commission free stock trading app which gives you 1 free stock (valued at $4-$200 each) for opening an account via a referral link and making a $100 deposit.
Moomoo is available on iOS or Android only.
https://j.moomoo.com/000LR3

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
https://www.acorns.com/invite/TLBCPD/

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer, so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

Personal Capital

Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks.
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
https://share.personalcapital.com/x/oGFEyl

Banking Apps/Websites-

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb6

Chime

Chime is a bank/app which pays you a $75 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://chime.com/milazadrozny

One Finance

One Finance is a banking app/website offering $50 for opening an account with a referral code and making a $250 direct deposit.
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. They are completely fee free, and you can close your account and pocket the bonus quickly if you wish.
https://share.onefinance.com/invite/Amadeo6c7b8c22

Chase Bank

Chase Bank is offering $200 for opening a checking account with a referral code and making a $500 direct deposit. Can easily get around direct deposit requirement. Credits within a few days of meeting requirements.
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://accounts.chase.com/raf/share/2479514579

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
No fees, can withdraw and close your account any time.
https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed here. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily get this). PM me for a link.

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $20 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $20+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. Available globally, not just the US.
N26 is available on iOS or Android only.
https://n26.com/amadeor4364

Radius

Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus.
You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4.
You can see referral terms in the FAQ at the bottom of the page, even though the landing page for the referral link does not do a great job advertising it.
https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

Cryptocurrency Apps/Websites

Voyager

Voyager is a cryptocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "RAY037" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link (open from your smart phone)-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Gemini

Gemini is a cryptocurrency trading app/website which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Available globally, not just the US. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
https://www.coinbase.com/join/ruiu_8
They will also give you $9 worth of the "Compound" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com.earn.comp.invite.9x21smry
In addition, they will give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Celsius

Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral link, enter the promo code "web40", and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $40 bonus. You can then withdraw the full $240 and close your account fee free. Available globally, not just the US.

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 5000 CRO (their special cryptocurrency, worth approximately $370) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly.
Available globally, not just the US.

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
All you have to do is sign up for a Chase Freedom Unlimited or Freedom Flex credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other Offers-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately.
https://worthybonds.com/?r=etyji

SoFi Loans

SoFi Loans is offering a free $10 just for checking your personal loan or student loan refinance rate options with SoFi. You can also get an extra $300 if you like their offer and decide to actually take it, but you can also just ignore the offer and keep the $10 if you wish!
You should research the pros and cons of student loan refinancing before you consider this option. You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
Personal Loan: https://www.sofi.com/invite/personal-loans/?gcp=bf4f78eb-3e5a-4419-b72c
Student Loan Refinance: https://www.sofi.com/invite/student-loans/?gcp=183a665b-be7a-45ac-9d5f

Fetch

Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout.
They also give a $2 bonus for signing up using a referral code (open this link from your phone).
https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW

Raise

Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway.
www.sofi.com/share/2498539?src=copy
Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox.
https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds
I've also put together a small blog with finance tips and tricks I've learned over the years. If you're potentially interested, here's a link to it.
https://www.youngmoneywhisperer.com/home
submitted by KathrineHaugen to referralcodes [link] [comments]

PSA: On Coinbase, ETC is still trading more than 20% above all other exchanges. If you have ETC on Coinbase, you have the opportunity to sell it and buy it back on another exchange for an instant 20% arbitrage opportunity.

What is arbitrage?

Arbitrage is profiting from the price imperfections between several pairs on a given exchange, or between different exchanges. It is the only reason prices even stay close to each other from one exchange to the other to begin with: a multitude of bots are developed to profit from such price differences, and thus help the market in having somewhat unified prices.

How could I profit from it in this case?

  1. (Mandatory) Already have ETC on Coinbase.
  2. (Mandatory) Have access to another exchange that trades ETC at the "normal" price.
  3. Sell ETC on Coinbase around 9.5 USD (at the time of writing) and Buy it back on another exchange around 7.7 USD(T).
  4. Profit! You effectively sold your ETC for 9.5 USD and bought it back for 7.7. You now have the same amount of ETC, and ~1.8 USD per ETC bonus because of this operation.

Why does it happen in this case? Why is it still not resolved?

Since ETC was 51% attacked several times throughout the past years, Coinbase has decided that to deposit ETC on their platform, you would need 91,000 blockchain confirmations. This is approximately 2 weeks. In other words, you need to wait 2 weeks for you ETC deposit to arrive on Coinbase.
Under normal circumstances, the price inefficiency would be solved immediately because deposits and withdrawals would happen in a matter of minutes/hours, and the new price would land somewhere in between the 2. But in this case since no one can bring ETC to Coinbase, this imperfection could last up to 2 weeks, at which point the inflows of ETC will start coming in to profit from this arbitrage opportunity.

Who are you and why do you care?

Merely a bot developer, my daily job is to code Crypto trading bots and to earn money for myself and clients for a fee. In the process and using what I learned so far, I try to help other less fortunate people that are missing some key trading concepts, or are simply new to the ecosystem. Any question you ever had about Trading that is still puzzling you? Feel free to drop it below and I'll see if I can have a shot at it! If not, I am sure other people in the subreddit would be delighted to do the same.
submitted by EuW_MadWard to CryptoCurrency [link] [comments]

$1541+ Guaranteed- Webull, Public, M1, SoFi Money/Invest/Loans, FirstTrade, Voyager, Chase, Porte, Aspiration, One, Stash, Chime, Radius, Moomoo, Root, Robinhood, Worthy, Acorns, ChaseFreedom, DiscoverIT, PMCU, SkyOne, N26, Coinbase, PersCap,Constant,Celsius,Crypto.com,Wings,Oxygen,Round,Fetch,Raise

Hello! Many companies are trying to expand their market share, especially in the app space, by offering cash or cash-equivalent incentives to new users. If one company offers new users a free stock/cryptocurrency/etc., and a competitor doesn't, then the company with the referral program will gain more market share. This gives you the opportunity generate a nice chunk of change by signing up for a bunch of different apps.
I constantly search the web for the latest and greatest referral opportunities, and this is an up-to-date list I'm maintaining that details the best offers around right now! There are more than $1500 worth of offers on this page.
Please feel free to leave comments with any thoughts/questions! Gemini, Crypto.com, and N26 are worldwide offers, the rest are US only.

Stock Trading Apps/Websites

Banking Apps/Websites

Cryptocurrency Apps/Websites

Credit Cards

Other Offers

--Details on each offer below--

Stock Trading Apps/Websites-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and 1 worth $8-$1600 each for depositing $100). That's a MINIMUM of $10.50 in free stock!
Webull is available on iOS and Android, or you can use their website.
Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you 1 stock worth $10 guaranteed (you get to pick a fraction of a share between stocks like Disney, Apple, Amazon, Tesla, etc.) for opening an account and making a $20 deposit. The way fractional shares work is, you get a piece of one of these stocks. You can still sell it or choose to sell it/hold it/it or whatever you wish, just like with a full share.
Available on iOS or Android only.
http://share.public.com/aruiu

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $30 bonus that posts within 14 days.
M1 Finance is available on iOS and Android, or you can use their website.
https://m1.finance/J6aLCt6SRGdW

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. Additionally, they are running a short-term promo where you can get an additional 2 free stocks for depositing $100. The extra 2 stocks offer expires February 15th!
Available on iOS or Android only.
https://share.firstrade.com/MilaAQOK

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS and Android, or you can use their website.
https://invite.robinhood.com/amadeor3/

Moomoo

Moomoo is a commission free stock trading app which gives you 1 free stock (valued at $4-$200 each) for opening an account via a referral link and making a $100 deposit.
Moomoo is available on iOS or Android only.
https://j.moomoo.com/000LR3

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
https://www.acorns.com/invite/TLBCPD/

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer, so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

Personal Capital

Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks.
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
https://share.personalcapital.com/x/oGFEyl

Banking Apps/Websites-

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb6

Chime

Chime is a bank/app which pays you a $75 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://chime.com/milazadrozny

One Finance

One Finance is a banking app/website offering $50 for opening an account with a referral code and making a $250 direct deposit.
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. They are completely fee free, and you can close your account and pocket the bonus quickly if you wish.
https://share.onefinance.com/invite/Amadeo6c7b8c22

Chase Bank

Chase Bank is offering $200 for opening a checking account with a referral code and making a $500 direct deposit. Can easily get around direct deposit requirement. Credits within a few days of meeting requirements.
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://accounts.chase.com/raf/share/2479514579

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
No fees, can withdraw and close your account any time.
https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed here. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily get this). PM me for a link.

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $20 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $20+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. Available globally, not just the US.
N26 is available on iOS or Android only.
https://n26.com/amadeor4364

Radius

Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus.
You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4.
You can see referral terms in the FAQ at the bottom of the page, even though the landing page for the referral link does not do a great job advertising it.
https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

Cryptocurrency Apps/Websites

Voyager

Voyager is a cryptocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "RAY037" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link (open from your smart phone)-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Gemini

Gemini is a cryptocurrency trading app/website which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Available globally, not just the US. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
https://www.coinbase.com/join/ruiu_8
They will also give you $9 worth of the "Compound" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com.earn.comp.invite.9x21smry
In addition, they will give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Celsius

Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral link, enter the promo code "web40", and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $40 bonus. You can then withdraw the full $240 and close your account fee free. Available globally, not just the US.

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 5000 CRO (their special cryptocurrency, worth approximately $370) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly.
Available globally, not just the US.

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
All you have to do is sign up for a Chase Freedom Unlimited or Freedom Flex credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other Offers-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately.
https://worthybonds.com/?r=etyji

SoFi Loans

SoFi Loans is offering a free $10 just for checking your personal loan or student loan refinance rate options with SoFi. You can also get an extra $300 if you like their offer and decide to actually take it, but you can also just ignore the offer and keep the $10 if you wish!
You should research the pros and cons of student loan refinancing before you consider this option. You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
Personal Loan: https://www.sofi.com/invite/personal-loans/?gcp=bf4f78eb-3e5a-4419-b72c
Student Loan Refinance: https://www.sofi.com/invite/student-loans/?gcp=183a665b-be7a-45ac-9d5f

Fetch

Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout.
They also give a $2 bonus for signing up using a referral code (open this link from your phone).
https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW

Raise

Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway.
www.sofi.com/share/2498539?src=copy
Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox.
https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds
I've also put together a small blog with finance tips and tricks I've learned over the years. If you're potentially interested, here's a link to it.
https://www.youngmoneywhisperer.com/home
submitted by KathrineHaugen to clicksforbeermoney [link] [comments]

$1541+ Guaranteed- Webull, Public, M1, SoFi Money/Invest/Loans, FirstTrade, Voyager, Chase, Porte, Aspiration, One, Stash, Chime, Radius, Moomoo, Root, Robinhood, Worthy, Acorns, ChaseFreedom, DiscoverIT, PMCU, SkyOne, N26, Coinbase, PersCap,Constant,Celsius,Crypto.com,Wings,Oxygen,Round,Fetch,Raise

Hello! Many companies are trying to expand their market share, especially in the app space, by offering cash or cash-equivalent incentives to new users. If one company offers new users a free stock/cryptocurrency/etc., and a competitor doesn't, then the company with the referral program will gain more market share. This gives you the opportunity generate a nice chunk of change by signing up for a bunch of different apps.
I constantly search the web for the latest and greatest referral opportunities, and this is an up-to-date list I'm maintaining that details the best offers around right now! There are more than $1500 worth of offers on this page.
Please feel free to leave comments with any thoughts/questions! Gemini, Crypto.com, and N26 are worldwide offers, the rest are US only.

Stock Trading Apps/Websites

Banking Apps/Websites

Cryptocurrency Apps/Websites

Credit Cards

Other Offers

--Details on each offer below--

Stock Trading Apps/Websites-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and 1 worth $8-$1600 each for depositing $100). That's a MINIMUM of $10.50 in free stock!
Webull is available on iOS and Android, or you can use their website.
Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you 1 stock worth $10 guaranteed (you get to pick a fraction of a share between stocks like Disney, Apple, Amazon, Tesla, etc.) for opening an account and making a $20 deposit. The way fractional shares work is, you get a piece of one of these stocks. You can still sell it or choose to sell it/hold it/it or whatever you wish, just like with a full share.
Available on iOS or Android only.
http://share.public.com/aruiu

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $30 bonus that posts within 14 days.
M1 Finance is available on iOS and Android, or you can use their website.
https://m1.finance/J6aLCt6SRGdW

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. Additionally, they are running a short-term promo where you can get an additional 2 free stocks for depositing $100. The extra 2 stocks offer expires February 15th!
Available on iOS or Android only.
https://share.firstrade.com/MilaAQOK

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS and Android, or you can use their website.
https://invite.robinhood.com/amadeor3/

Moomoo

Moomoo is a commission free stock trading app which gives you 1 free stock (valued at $4-$200 each) for opening an account via a referral link and making a $100 deposit.
Moomoo is available on iOS or Android only.
https://j.moomoo.com/000LR3

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
https://www.acorns.com/invite/TLBCPD/

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer, so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

Personal Capital

Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks.
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
https://share.personalcapital.com/x/oGFEyl

Banking Apps/Websites-

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb6

Chime

Chime is a bank/app which pays you a $75 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://chime.com/milazadrozny

One Finance

One Finance is a banking app/website offering $50 for opening an account with a referral code and making a $250 direct deposit.
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. They are completely fee free, and you can close your account and pocket the bonus quickly if you wish.
https://share.onefinance.com/invite/Amadeo6c7b8c22

Chase Bank

Chase Bank is offering $200 for opening a checking account with a referral code and making a $500 direct deposit. Can easily get around direct deposit requirement. Credits within a few days of meeting requirements.
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://accounts.chase.com/raf/share/2479514579

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
No fees, can withdraw and close your account any time.
https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed here. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily get this). PM me for a link.

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $20 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $20+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. Available globally, not just the US.
N26 is available on iOS or Android only.
https://n26.com/amadeor4364

Radius

Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus.
You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4.
You can see referral terms in the FAQ at the bottom of the page, even though the landing page for the referral link does not do a great job advertising it.
https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

Cryptocurrency Apps/Websites

Voyager

Voyager is a cryptocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "RAY037" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link (open from your smart phone)-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Gemini

Gemini is a cryptocurrency trading app/website which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Available globally, not just the US. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
https://www.coinbase.com/join/ruiu_8
They will also give you $9 worth of the "Compound" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com.earn.comp.invite.9x21smry
In addition, they will give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Celsius

Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral link, enter the promo code "web40", and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $40 bonus. You can then withdraw the full $240 and close your account fee free. Available globally, not just the US.

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 5000 CRO (their special cryptocurrency, worth approximately $370) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly.
Available globally, not just the US.

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
All you have to do is sign up for a Chase Freedom Unlimited or Freedom Flex credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other Offers-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately.
https://worthybonds.com/?r=etyji

SoFi Loans

SoFi Loans is offering a free $10 just for checking your personal loan or student loan refinance rate options with SoFi. You can also get an extra $300 if you like their offer and decide to actually take it, but you can also just ignore the offer and keep the $10 if you wish!
You should research the pros and cons of student loan refinancing before you consider this option. You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
Personal Loan: https://www.sofi.com/invite/personal-loans/?gcp=bf4f78eb-3e5a-4419-b72c
Student Loan Refinance: https://www.sofi.com/invite/student-loans/?gcp=183a665b-be7a-45ac-9d5f

Fetch

Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout.
They also give a $2 bonus for signing up using a referral code (open this link from your phone).
https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW

Raise

Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway.
www.sofi.com/share/2498539?src=copy
Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox.
https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds
I've also put together a small blog with finance tips and tricks I've learned over the years. If you're potentially interested, here's a link to it.
https://www.youngmoneywhisperer.com/home
submitted by TylerLozano to referralcodes [link] [comments]

FAQ Megathread - Compilation of all possible questions you may have about NEXO

Table of contents:

General Information about Nexo

What is Nexo?

Nexo delivers the The World’s First Instant Crypto-backed Loans, thus resolving a crucial inefficiency for the crypto world. Up to this very moment, no alternatives existed for digital asset owners to enjoy their crypto wealth except selling them. The innovative model of Nexo brings to the crypto community the best of both worlds - retaining 100% ownership of their digital assets while having immediate access to cash.

What are Instant Crypto-backed Loans?

The Instant Crypto-backed Loans are an automatic, flexible and cost-efficient way of obtaining liquidity that is secured by the value of the client’s digital assets. The whole process is completed in just a few simple clicks. No hidden fees, no capital gains taxes, no credit checks. Transparency is guaranteed through the use of blockchain technology, smart contracts and algorithmic processes executed by the Nexo Oracle.

Notes for US (United States) Customers

How can I buy NEXO?

Currently, until the Exchange comes out, you will have to use a third-party platform to purchase NEXO. You can use the following:

How is Nexo connected to Credissimo?

Nexo is powered by Credissimo, a leading FinTech Group serving millions of people across Europe for over 10 years. Credissimo has always operated under the highest regulatory requirements and strictest supervision by multiple European Banking and Financial Services Regulators. Now the same Team and its Board of Advisors, empowered by the ever-growing community of Nexo supporters and the enormous demand for the Instant Crypto-backed Loans, are unlocking the value of the digital assets in a rapidly expanding token economy that will alter the very fabric of a $5 trillion dollar market.

Who are the Nexo Founders?

Nexo was founded by the Credissimo team who have been in business for over 10+ years and awarded as one of the top 100 Financial Tech companies in Europe.

What happens when NEXO doesn't have enough cash to loan out?

They can't loan out without raising money, of course. So either they have to loan themselves with better terms, raise money through other means, or steadily process the loans facing a supply drought and customer loss. I could imagine that it would be technically legal for a certain % of the collateral to be sold, just like banks are not required to keep 100% of their customers cash in liquid form, but I have quite frankly no clue how this applies to nexo and crypto assets.

What happens to the deposited BTC/ETH if NEXO fails? Who holds the private keys to them coins?

Since nexo is properly registered in the EU, and given the EU's tendency to protect customers rather than company's, Id honestly assume we would have a novelty court case over this issue, with the expected result that the collateral has to be given back out, if it is still available. But as it often happens in crypto, if the coins are sold illegally its hard to reverse that kind of damage, and its even more tough to access them if they were sent to another wallet. I do not really think that there is a reasonable possibility of this happening without nexo deliberately destroying their business/turning criminal, because of the nature of this business and the contracts, and I would assume that not turning criminal is a much, much more profitable strategy in the long run, because nexo is well positioned to assume dominance in this market for what we know so far.

What happens if people fail to pay back the money, but at the same time the deposited BTC/ETH loose value and are not able to cover the loan amount any more? (With people then realising their collateral is valued at less then the money they have to pay back, thus being incentivised towards defaulting rather than paying back to get their crypto.)

If the collateral does not cover the loan due to falling prices, the loan agreement as far as I know will be automatically terminated, with the collateral held in the nexo account. The customer must either default through the prices not covering the loan amount, or with failure of payback itself, its not really possible that both the customer fails to pay back the money AND the collateral declines in value below the worth of the loan unless the market crashes so spectacularly that the collateral cannot be automatically sold. However the outcome is technically the same, nexo itself does not lose money if the client defaults (unless prices crash faster than nexo is able to sell, or the volume is gone, et cetera., which I think at this point is relatively unreasonable to assume.), and I think the "take a loan -> buy more crypto -> take more loans" scenario is incredibly unreasonable given that you can easily margin-trade with much higher leverage and less trouble than what nexo could loan out to you, so I dont assume loans are being taken for actual crypto investments, I rather think people believe in the collateral assuming value and see it as a locked up investment with extra short term utility

How is NEXO profitable?

Lending is the most profitable crypto market segment. Businesses are now parking their idle cash with crypto lenders. This trickle will soon become a flood. Nexo is arguably the most profitable lender. NEXO made ~$20 mill profit last year, paying a $6mill dividend.

Is Nexo trustworthy?

Considering that the founders of Nexo are some of the same people behind Credissimo an established successful award winning FinTech Group founded in 2007 which is still around gives gives me reassurance that my coins are somewhat safe. At the end of the day we're all taking a risk here. I'd be very surprised if Nexo just runs off with all our money in the process tainting all the work they've put in from Credissimo to here. It is poor that they haven't done much to reassure us that our crypto/money is as secure as they say but they have a track record that seems to speak for itself. Not many other defi platforms can do the same and we are seeing that almost every second day with the hacks occurring in the ecosystem.
There are actual people behind this thing that we can hold accountable. People who have Forbes articles written about them. People who have been on the news. I'm not saying it's still not possible for a security breach but again their track record seems to speak for itself.

What happens to my assets if NEXO goes under?

In the unlikely event that Nexo goes under, yes, your money is gone. There is no insurance in the world that covers something like that I'm afraid. It's the same for Cel, CDC, or any wallet provider.. remember, not your keys not your crypto. There is always a risk.

How can NEXO afford such high interest rates?

Simple, they borrow your money for ~8% and they lend it out for ~11.9% (no loyalty, this used to be 24.9% but I guess they changed it because it made them look like loan-sharks).
The concept behind Nexo is to make Crypto as liquid as possible for clients. Instead of selling crypto you can temporarily supplement it for a small loan.
Their average loan is well above the 5.9% minimum and more people are using the service to borrow rather than lend.
They are profitable, but don't expect the stablecoin interest to remain at 8%-12% long term, it's to attract new customers! Just like Crypto.com did.
One thing to note, the business model is SOLID, but only in a stable or bullish market. If for some reason Crypto market tanks, then it'll be an issue.

What happens if the market crashes?

The Loan-to-Value (i.e. ~50% for BTC and ETH) is dynamically determined by the Nexo Oracle algorithms, depending on the current and historical volatility and market liquidity of the asset. If the assets decrease significantly in value and you do not contribute additional assets to your Nexo Wallet after receiving a warning from the Nexo Oracle, Nexo may initiate small liquidations to cover any insufficiency.

Buybacks

Nexo announced a Buyback, has it been done, how can I track it?

The buyback has started, it seems like they are doing the buyback bit by bit instead of the full amount all at once. They purchase these tokens from the open market, where there is liquidity (Huobi for instance). You can check how many tokens have been bought back so far here: https://etherscan.io/address/0x1C433CBF4777e1f0dCe0374d79aaa8ecDC76B497#tokentxns

License and Regulations

Is NEXO compliant with the SEC?

Yes: https://www.sec.gov/Archives/edgadata/1732097/000173209718000004/xslFormDX01/primary_doc.xml

Could SEC investigate NEXO the same way they did with Ripple (XRP)?

Nexo is registered and compliant with the SEC when they did their ICO (Initial Coin Offering), there is nothing to worry about.

What is NEXO's insurance?

Nexo use BitGo (https://www.bitgo.com/) as their cold storage provider. This includes a $100m policy that covers third-party hacks, theft, loss of keys, etc.
The safety of clients funds is the main priority for Nexo. Cold storage Wallets are provided by BitGo, the leader in digital asset financial services. BitGo Custody carries $100,000,000.00 in insurance protections through a syndicate of underwriters through the Lloyd's, the world’s specialist insurance and reinsurance market. And this premium service comes in at no additional cost (details can be found here and here).
The $100 million policy covers digital assets where the private keys are held 100% by BitGo in the event of:
  • Third-party hacks, copying, or theft of private keys
  • Insider theft or dishonest acts by BitGo employees or executives
  • Loss of keys
Nexo has chosen BitGo as its custodian because BitGo provides 100% cold storage technology in bank-grade Class III vaults and the BitGo platform is SOC 2 Type 2 certified. Advanced authentication mechanisms are employed to ensure the authenticity of data, and assets are distributed geographically and organisationally.
It is the account holders’ responsibility to safeguard their accounts by means including but not limited to using a strong password, enabling two-factor authentication and controlling all login credentials to Nexo. Clients remain owners of the crypto assets placed into Nexo accounts.

Why is their insurance only for $100m if they have $4B+ in assets under management (AUM)?

They don't keep the all of their assets in the one wallet.
Their custodian, BitGo, keeps funds in many smaller wallets - the likelihood of all those wallets being hacked at the same time is something approaching zero.

Is there details on Nexo's bank license?

Not yet, Nexo is not a bank yet, but it's possibly coming soon, as they just switched banks to IBS Lithuania UAB. (Not announced but since Lithuania gave Revolut a bank license it's very possible!)

What does an ISO/IEC 27001 certificate mean?

Nexo’s information security management system (ISMS) has been successfully audited by CISQ, a member of IQNet and the world’s largest provider of management system certification, and by RINA, who have decades of experience in certifications, ensuing in an ISO/IEC 27001 compliance certificate. This guarantees that Nexo's security infrastructure is of the highest standard and carries minimal risk to clients and investors thanks to rigorous security policies, impeccable risk assessment, data protection, and state-of-the-art cybersecurity.
Nexo’s ISO/IEC 27001 certificate was issued to it's Estonian entity, the subject of this certification is Nexo’s information security management system, rather than a specific registered entity. As such, it is irrelevant which Nexo entity the certificate was granted to.
Please also note that information provided on www.nexo.io is valid for all Nexo services and operations, as the aggregate of companies within the Nexo group. These include entities registered across the globe, all of which are fully compliant with local regulations.

Licenses and links

License: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1898755
License: https://mtr.mkm.ee/juriidiline_isik/236278/valjavoteEdit?tulemus=Tegevusluba
SEC: https://www.sec.gov/Archives/edgadata/1732097/000173209718000004/xslFormDX01/primary_doc.xml
Estonia's Business Register: https://www.teatmik.ee/en/personlegal/14520507-Nexo-Services-O%C3%9C
Estonia Approval (Allows operations to all non-estonians): https://www.fi.ee/sites/default/files/2019-03/20190304%20Hoiatusteade%20Nexo.pdf

Interest / Earning with your Crypto assets

I transferred my assets yesterday and have not gotten any interest yet???

You get your first interest payout the day AFTER you deposit. This is normal, to avoid people cheating the system.

I am not getting my 10% interest!

It may not be clearly explained within the app, but in order to get the full potential for rates, you need to max your loyalty level as well as get paid in Nexo. Depending on how much NEXO is part of your portfolio, your loyalty level changes, so to achieve Platinum, you must have at least 10% of your crypto portolfio in NEXO. The bonuses for each level are as follows:
  • Base = 5%* on Crypto, 8% on Fiat/Stablecoins
  • Silver (1-5%) = 5.25% on Crypto, 8.25% on Fiat/Stablecoins
  • Gold (5-10%) = 5.5% on Crypto, 9% on Fiat/Stablecoins
  • Platinum (>10%) = 6% on Crypto, 10% on Fiat/Stablecoins
Crypto = BTC, Etherium, etc.
Stablecoins = USDC, Tether, etc. Fiat = Euro, GBP.
They get converted to their equivalent stable coin after depositing!
All % are PER YEAR NOT DAILY OR MONTHLY.
Remember, you get paid extra if you decide to receive interest in NEXO and not in-kind (same asset, so BTC to BTC for instance). This bonus is not available for US customers.

Example of interest earned:

Assuming you have 1 BTC in your Savings Wallet on NEXO, you would accumulate 5% per year if you do not hold any Nexo as well. 6% if you hold 10% worth of a BTC as Nexo in your account.
And additionally 2% more if you choose to receive the interest in Nexo and not BTC, so then it would be 7 or 8%, but this is not available for US customers.

I am not getting my 7% every day?!!!

Just like pretty much everything in this world, interest is shown PER YEAR. This means, you get 7% per year, not per day. ANY company, regardless if it's crypto or not, that tells you you can even make 1% back per day, is a ponzi / scam (unsustainable business).

How do I calculate what I should get % per day?

Simplified, and not 100% accurate, but very close, you should take the spot price of the asset at the moment of daily payout, multiply it by your loyalty / bonus level, and divide it by 365.
A more advanced, accurate calculation would be as follows (thanks to masashi_t):
Example: BTC interest is 6% in-kind and 8% in NEXO.
If you choose to earn in-kind, take into account of compounding interest, it would give you [(1+0.06)1/365-1]*100 = 0.0159% per day, or 6% APY
If you want to earn in NEXO instead, you will get (0.08/365)*100 = 0.022% per day, or 8% APR.
BTC and NEXO are both appreciating assets, you are free to pick which one you think will give you a better return in the future.

Small note regarding compounding interest:

The daily interest rate you receive for the like-kind reward already takes into account the fact it compounds to end with the stated annual interest rate. The interest rate you see for like-kind reward only is achieved if you keep it for 365 days. If you keep it for a lesser time, you actually get a lower interest rate.
I am not sure why this isn't mentioned in the app, as far as I know.

I am not getting back interest on my NEXO assets?

You do not get interest on NEXO token assets you hold in NEXO. Instead, you get dividends. Nexo give out 30% of their profits back to their customers that hold nexo tokens. Read this article for more information.

Do my assets on Nexo get locked-up / stake period?

NO! Unlike, CDC Crypto.com, you do not need to lock in your assets with Nexo, you can withdraw them at any time.

Do I get interest on my collateral?

Any assets in your Credit wallet do not get any interest, so you can not borrow 0.5BTC with 1BTC as collateral and make interest on the 1BTC at the same time. The only asset that "technically" makes % while being in the Credit wallet is Nexo tokens, where you get dividends regardless of which wallet the tokens are in.

Dividend

What is a dividend?

To "reward" loyal customers who support the project and Nexo token itself, Nexo have decided to do (yearly*) dividends, this means they give 30% of the benefits (profits) the company earned since the last dividend back to the nexo holders. Based on how many tokens you have and knowing there is currently a fixed supply of 560 millions tokens you can calculate what % you should get. Furthermore, they have an extra "bonus" for those who have held onto the tokens for a long time. This bonus is small, but it helps differentiate those who are holders and those who purchase nexo tokens before a dividend to cash in. Read the question below about frequency.

How regular are dividends, when is the next one?

So far, dividends have been yearly, in August. There have been mentions from Nexo that they'd like to do it more regularly. As any business/stock that do dividends, the price of the token/stock decreases drastically after dividend payout. Do not be alarmed.

Do US customers get dividends?

Yes, but paid out in BTC. EDIT: Apparently, you can receive it in NEXO as well, but you must be an accredited investor. Read this

Do I need to verify/kyc to receive dividend for my NEXO tokens?

Yes, advanced verification is necessary.

Where do I need to hold NEXO Tokens, in order to receive dividends?

NEXO Tokens must be held/staked in your Nexo account (doesn't matter if it's in the Credit or Savings Wallet) at the ex-dividend date. The ex-dividend date will be communicated in advance.

Competitors

CELSIUS vs NEXO

Summarized: Celsius do a much better job at engaging with their customers, and their token CEL has performed better than NEXO, however, NEXO appears much more professional (imo of course), by taking things slowly but surely. Everything works perfectly, everything is tested, no downtimes, no trash-talking by the employees. CEL at this point seems like a cult, Nexo seems like a business.

Why is CEL so high compared to NEXO?

Visibility, marketing? Various reasons. IMO looking at their trading volume, its VERY low. If even a small-sized whale decided to sell their bags, it would crash. Basically, it's artificially inflated due to low liquidity.
Also keep in mind, Coinmarketcap and Coingecko show incorrect Market Cap data for Celsius. You can see the real value by visiting the Celsius website. It will crash soon, and hard. Again, my opinion.

Frequently asked questions:

Are there any airdrops/giveaways/freebies?

No. There are currently no giveaways. If you get contacted via Facebook, Twitter, Telegram or anywhere else, it's a scam. The only "giveaway" that is currently running is the fact that you can win 100k Nexo tokens for voting for which coin should be added next to the platform (You can do this via the app, on the home screen, scroll the top banners to the right until you find the one about voting.)

When will the Card (Crypto Credit Card) be released?

There are no official announcements yet, but all we know that is it currently in a private beta. A select few European (non UK) customers have been given cards to test the upcoming platform.

When will the Exchange be released (Buying and selling crypto within the Nexo app/webapp)?

Just like the card, there is no official news yet. All we know that there are a select few IOS users who have been given early access to test the functionality of this exchange. Currently, users are reporting a 1.5%~ spread on the exchange, which is quite high.

How long does Verification/KYC take?

Generally, it takes about 2 business days, although lately with the increase of users signing up it can take a big longer. If you don't hear back after a week I'd suggest contacting their support.

Support is not answering my emails?

One tip is to go on their website, open the live chat and type in "speak with human" "talk to agent" "human" to get transferred to a real person.

Are deposits and withdrawals free?

Yes, withdrawals are completely free, although deposits depend on which exchange you use to send your assets to Nexo with.

Difference between CREDIT and SAVINGS wallets

You must take into account that you have TWO wallets per asset within the Nexo platform. One for SAVINGS, which will give you interest on any assets you hold in it, and one for CREDIT which is basically your collateral, which you use for taking out crypto-backed loans.

Will Brexit affect UK customers?

There is no official information so far.

Does NEXO have a bonus/referral system?

No, you can not get $ or bonus for referring other users right now. The only thing you can do is share a link to the CARD page, to increase your position in the waiting list.

When are payouts made?

Usually around 12:00AM UTC, daily!

What coins are accepted as collateral?

BTC, ETH, XRP, LTC, XLM, BCH, EOS, LINK, TRX, stablecoins, PAXG, NEXO and BNB. More information

What is Collateral?

Collateral is crypto assets you would put up for a loan (if you don't repay they will sell it to cover the default). You do not earn interest on crypto that you use as collateral. If you are not borrowing from Nexo then your funds are held in a "savings wallet" where it can earn interest until it is either moved off the platform or used as collateral on a loan.
Nexo tokens do not earn interest the same way as other tokens, but do provide dividends from the profits of the company.

What are the loan-to-value (LTV) rates?

A Loan-to-Value (LTV) ratio is an indicator representing the size of a loan compared to the value of the assets securing the loan.
The Loan-to-Value percentages of each asset are dynamically determined by the Nexo blockchain oracle algorithms, depending on the current and historical volatility and market liquidity of the asset.
More info

How many confirmations does my transfer need?

  • BTC deposit require a minimum of 6 confirmations
  • All ERC20 deposits (ETH, PAXG, NEXO, USDT, TUSD, USDC, PAX, DAI) require 50 confirmations
  • LINK deposits require 40 confirmations
  • XRP (Ripple), XLM (Stellar), BNB, NEXO BEP2 and EOS - near-instant
  • BCH deposit requires 16 confirmations
  • LTC deposit requires 6 confirmations
  • TRX (Tron) deposit requires 20 confirmations

How can I find a list of important announcements, information?

https://support.nexo.io/hc/en-us/sections/360002501674-News-and-Updates-2020
On the sidebar, you can go back to 2018.

When will NEXO be listed on Coinbase?

It's very unlikely, because they are considered competitors. Furthermore, Nexo token is very clearly a security, based of the dividend payments and now the buyback program, these big exchanges aren't licensed to deal in securities, hence they will not list Nexo.

Will the (possible) upcoming bill regarding regulating self-hosted assets affect US NEXO customers?

No, Nexo is not self hosted. BitGo is their custodian.

How often does NEXO add new coins?

Not regularly at all.

Can NEXO be mined?

There is a fixed circulating supply of Nexo, the remainder the Team have said are locked until TBA.
So there isn't a dilution, as there are no new Nexo created - the dividend paid in Nexo needs to be bought from existing circulating supply by the company in order to be paid to holders.

Important information

NEXO's Roadmap?

  • Banking license: Nexo is trying to either acquire a company or get their own banking license (like Revolut and Monzo) so they have more flexibility in their operations. It would be a huge step for a crypto company to get this and shows their ambition
  • Credit Card: This will be similar to CDC and they'll offer generous cash back incentives of 2% when you get your credit card.
  • Referral Scheme: Currently Nexo has done this massive growth without incentivised referrals, and when they turn this tap the company can likely see a lot of users pouring in for their great savings rates and crypto credit lines. But take a moment to think.. who do you trust more, a company that acquirers users based on their services/product, or a company that gives out bonuses to those who promote/spam their product..
  • Exchanges and more Coins: The ability to exchange crypto within the eco system will go a long way to keeping users within the system. The plan is to let users buy and stake virtually any legitimate crypto asset.
And with this massive roadmap, the core principle they started with by sharing back with the community, they keep everyone's incentives aligned.

Where can I view statistics and information about Nexo?

https://nexologist.com/
https://nexostatistics.com/
https://www.hodlfire.com/go/hf-sheet/

How can I compare the earn rate of Nexo vs BlockFi/Cel/CDC/...?

https://blockscompare.com/

Important reads:

Liquidations: https://medium.com/nexo/why-liquidations-are-needed-and-how-they-protect-us-all-9d426ac70dc2
AMA from the Co-founder Antoni Trenchev: https://youtu.be/LBTrd8C5n1c
Nexo Help Center: https://support.nexo.io/hc/en-us/categories/360000766354-Nexo-Help-Center
Whitepaper: https://nexo.io/assets/downloads/Nexo-Whitepaper.pdf

Telegram Communities

Official Telegram
NEXOnians
NEXOnews
NEXOstatistics

Small thanks?

Took me quite a while to gather and write all of these if something is missing please let me know! Feel free to get me a beer if you'd like :)
(NEXO): 0xa6a87d29c362d63df60cf7667cacdfe411ee30e0
submitted by PM_ME_SMALL_BOOBIES to Nexo [link] [comments]

$1541+ guaranteed- Webull, Porte, Worthy, SoFi Money/Invest/Loans, Chase, Chime, Public, FirstTrade, Aspiration, One, Stash, Voyager, Radius, Moomoo, Root, Robinhood, M1, Acorns, ChaseFreedom, DiscoverIT ,PMCU, SkyOne, N26, Coinbase, PersCap,Constant,Celsius,Crypto.com,Wings,Oxygen,Round,Fetch,Raise

There are a lot of awesome referral opportunities out there, these are my personal favorites! Gemini, Crypto.com, and N26 are global offers, the rest are US only.

Stocks

Banks

Cryptocurrency

Credit Cards

Other

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 4 free stocks (2 worth $2.50-$250 for opening an account, and 2 worth $8-$1600 each for depositing $100). That's a MINIMUM of $21 in free stock! Expires January 15th at midnight est.
Webull is available on iOS and Android, or you can use their website.
Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
http://share.public.com/aruiu

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $30 bonus that posts within 14 days.
M1 Finance is available on iOS or Android only.
https://m1.finance/J6aLCt6SRGdW

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. Additionally, they are running a short-term promo where you can get an additional 2 free stocks for depositing $100. The extra 2 stocks offer expires January 15th!
Available on iOS or Android only.
https://share.firstrade.com/MilaAQOK

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS and Android, or you can use their website.
https://invite.robinhood.com/amadeor3/

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
https://www.acorns.com/invite/TLBCPD/

Moomoo

Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit.
Moomoo is available on iOS or Android only.
https://j.moomoo.com/000LR3

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details above), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

Personal Capital

Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks.
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
https://share.personalcapital.com/x/oGFEyl

Banks-

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb6

Chime

Chime is a bank/app which pays you a $75 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). Offer ends January 7th at midnight!
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://chime.com/milazadrozny

One Finance

One Finance is a banking app/website offering $50 for opening an account with a referral code and making a $250 direct deposit.
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. They are completely fee free, and you can close your account and pocket the bonus quickly if you wish,
https://share.onefinance.com/invite/Amadeo6c7b8c22

Chase Bank

Chase Bank is offering $200 for opening a checking account with a referral code and making a $500 direct deposit. Can easily get around direct deposit requirement. Credits within a few days of meeting requirements.
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://accounts.chase.com/raf/share/2479514579

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
No fees, can withdraw and close account any time.
https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily get this). PM me for a link.

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $20 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $20+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. Available globally, not just the US.
N26 is available on iOS or Android only.
https://n26.com/amadeor4364

Radius

Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus.
You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4.
You can see referral terms in the FAQ at the bottom of the page, even though the landing page for the referral link does not do a great job advertising it.
https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

Cryptocurrency-

Voyager

Voyager is a cryptocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link (open from your smart phone)-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Celsius

Celsius is a cryptocurrency investing platform which will give you $30 for signing up using a referral link, enter the promo code "web30", and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $20 bonus. You can then withdraw the full $240 and close your account fee free. Available globally, not just the US.

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 5000 CRO (their special cryptocurrency, worth approximately $370) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly.
Available globally, not just the US.

Gemini

Gemini is a cryptocurrency trading app/website which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Available globally, not just the US. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8
They will also give you $9 worth of the "Compound" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com.earn.comp.invite.9x21smry
In addition, they will give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately.
https://worthybonds.com/?r=etyji

SoFi Loans

SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan.
You should research the pros and cons of student loan refinancing before you consider this option, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
There's also the option of taking out a SoFi loan.
www.sofi.com/share/2498539?src=copy

Fetch

Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. My personal favorite scanning app! Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout.
They also give a $2 bonus for signing up using a referral code (open this link from your phone).
https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW

Raise

Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway.
www.sofi.com/share/2498539?src=copy
Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox.
https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds
I've also put together a small blog with those as well as the referrals listed below. I'd love it if you check it out. Thank you!
https://www.youngmoneywhisperer.com/home
submitted by TylerLozano to ReferToEarn [link] [comments]

no deposit bonus trading platforms video

What is No Deposit Bonus? The new No Deposit Bonus from InstaForex is an exciting opportunity to start Forex trading. This is your way to the largest and most liquid market which has become the main source of stable income for many traders around the globe. A no deposit forex bonus is a cash award that is deposited by the broker into the forex trader’s account, without requiring an initial deposit into the trading account by the trader. Is no deposit bonus utterly free money? Of-course a no deposit bonus is completely free money. Already mentioned, "Forex no deposit bonus is a risk-free way to start live Forex trading." You can trade with it to make a profit. Also, you can withdraw the profit, but it depends on the promotion conditions. Also the no deposit bonus tends to be fairly minimal for example $25 – $50. This should enable you to open only the most basic account, as in a Micro account. This small amount of money will actually limit the experiences you can enjoy as trading foreign currencies is much different if you’re trading larger amounts. $100 Smart Options No Deposit Bonus (in ETH) – Click Here To Register USING Bonus Code: PR-ACM2, with the following conditions: Users have to trade a total of $5.000 trading volume for initial bonus to be withdrawn and A deposit of equal amount to the bonus or $5000 in trading volume needs to be reached in order for profits to be withdrawn No Deposit Bonus may be withdrawn from the Bonus account to a Trading account upon having minimum 10 Standard integral lots (Minimum Volume) traded on the respective Bonus account. All orders must be closed prior to withdrawing the No Deposit Bonus. Forex No Deposit Bonus in 2021, All Latest NO DEPOSIT Bonuses List of Forex Brokers, UPDATED DAILY. No deposit bonus Forex Free. Profits can be withdrawn. Next on our list of the best brokers offering no deposit bonus trading, is XM. With this broker you will be able to receive a free $30 no deposit bonus into your account when you register a real account. This is another popular and well-respected broker and the bonus offer has been around for a long time.

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