ether.fi Referral Program Terms and Conditions

Effective Date: November 14, 2025

These Referral Program Terms and Conditions (“Terms”) govern your participation in the ether.fi Referral Program (“Program”). By participating, you agree to these Terms, ether.fi’s Terms of Use, and Privacy Policy.

1. Eligibility

• To participate, both the referrer and referred user must:

  • Be at least 18 years old.

  • Be in a jurisdiction where ether.fi services and this Program are available.

  • Successfully complete ether.fi’s KYC identity verification process.

  • Comply with all ether.fi terms and applicable laws.

2. How It Works

• Eligible users may refer others via their unique referral link.

• Referred users must:

  • Sign up using the referrer’s unique referral link within 90 days of the link being generated.

  • Successfully apply for and activate the ether.fi Card.

  • Begin using the card to make qualifying purchases within 30 days of activation.

3. Qualifying Purchases

• Qualifying purchases mean net purchases (excluding fees, credit adjustments, returns, refunds, ATM withdrawals, or cash equivalents) made using the ether.fi Card.

• Referrers will receive 1% of the referred user’s qualifying purchases, paid monthly, for up to 12 months after card activation.

• The maximum referral reward is $1,000 USD (or equivalent) per referred user.

• No minimum spend is required, but ether.fi may set a minimum to qualify for payout in future program versions.

4. Reward Payment

• Rewards are typically distributed in SCR (or another supported asset) and credited to the referrer’s ether.fi account at time of spend.

• ether.fi reserves the right to delay or withhold rewards pending verification of user eligibility or suspected fraud, abuse, manipulative behavior or other prohibited conduct.

5. Prohibited Conduct

Participants may not:

• Refer themselves or create multiple accounts.

• Use deceptive or misleading marketing practices.

• Post referral links through paid advertisements unless authorized.

• Exploit the referral program, including engaging in gaming or farming referral or cashback rewards

• Use bots, scripts, or other automated systems to generate signups.

ether.fi may review participant activities at any time for compliance with these terms and has the sole discretion to withhold, reverse, or reclaim any rewards earned in violation of these terms.

6. Program Modifications

• ether.fi reserves the right to:

  • Modify or terminate this Program at any time.

  • Change reward structures or eligibility criteria with or without prior notice.

  • Limit the number of referrals or total rewards a user may earn.

Continued participation after changes constitutes acceptance.

7. Geographic Restrictions

• This Program is only available in jurisdictions where the ether.fi Card is offered and ether.fi is authorized to conduct business.

• ether.fi may restrict access based on local regulations or risk considerations.

8. Taxes and Reporting

• Users are responsible for reporting and paying any taxes associated with referral rewards.

• ether.fi may issue tax forms (e.g., Form 1099-MISC) or other documentation as required by law.

9. Disputes and Governing Law

• All disputes related to the Program are subject to the governing law, arbitration clause, and dispute resolution terms in the ether.fi Terms of Use.