> For the complete documentation index, see [llms.txt](https://etherfi.gitbook.io/etherfi/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://etherfi.gitbook.io/etherfi/events/events/spend-and-earn.md).
# Spend and Earn
Referred users who spend US$100 by the February 15, 2026 get R$100 back.
## **Abbreviated Rules**
Limited time offer. Restrictions apply. Not available in all jurisdictions. Digital assets are high risk. Past performance โ future results. Void where prohibited. See full terms at [Promo Terms and Conditions](/etherfi/legal/ether.fi-legal/promo-terms-and-conditions.md).
## **Summary**
The Spend and Earn ("**Gaste e Ganhe")** promotion rewards ether.fi Cash users for inviting friends and spending with their ether.fi Cash card during February 3-15, 2026.
Regional Cashback Limits apply. Rewards apply if you are referred by eligible referrals:
* zucher
* rogeriom
* evandropit
* guioliveira
* dantas
* gemeos
* tubacast
* bevilaqua
* duoporai
* victoralfa
* bitnoob
* remora
* matico
* criptopro
* augusto
* barbara
* gabrieldella
## **Campaign Period**
๐๏ธ **Campaign Window:** February 3, 2026, 12:00 AM UTC โ February 15, 2026, 11:59 PM UTC
(Only accounts created via referral during this window count as โsuccessful referrals.โ)
๐๏ธ **Earning Window (Spend):** February 3, 2026, 12:00 AM UTC โ February 15, 2026, 11:59 PM UTC
(Only Qualifying Purchases posted during February counts toward Spend and Earn ("**Gaste e Ganhe")** Rewards.)
๐๏ธ **Distribution Date:** On or before March 31, 2026
Distribution of rewards include
* 100 Reais equivalent (USDC) to qualified user's Member Vault
***
## **Total Reward Period**
* **Total campaign cap:** up to **$10,000 USD** **equivalent (USDC)** shared across all eligible participants.
* Once this cap is reached, [ether.fi](http://ether.fi) may reduce or stop future accrual of Spend and Earn ("**Gaste e Ganhe")** Rewards, even within the campaign period.
***
## **Reward Structure**
#### 1. Affiliates (Inviting Member)
If you invite friends who successfully onboard during the Campaign Window:
* Your total Spend and Earn ("**Gaste e Ganhe")** Rewards from all referrals combined is capped at **$500 USD equivalent** in cashback rewards.
#### 2. Referral (Invited User)
If you are invited and sign up during the Campaign Window and spend $100 USD within the **Campaign Window**:
* You earn 100 Reis equivalent (USDC), paid out by the end of March, 2026.
***
## **How to Qualify**
#### Successful Referral (for Referrer Rewards)
A successful referral is a user who:
1. Creates an Ether.fi Cash account via your referral link between February 3 โ 15, 2026; and
2. Successfully completes KYC (identity verification); and
3. Activates at least one card (physical or virtual).
4. Spends $100 or more within the promo period.
#### Qualifying Purchases
For both referrers and referrals, Qualifying Purchases generally means:
* Posted (not pending) card purchases made with an [ether.fi](http://ether.fi) Cash personal card during the **Earning Window** (February 3 โ 15, 2026) using your Card Account, minus any returns, refunds, or credit adjustments.
[ether.fi](http://ether.fi) may further define or restrict eligible spend at its discretion.
***
## Regional Cashback Limits
**Spend and Earn** Rewards are subject to regional caps per user:
Region
Max Reward on Referral Spend (USD equivalent)*
LATAM
$20 ร number of referrals
***
## **Eligibility**
* Promotion available only to **supported regions** where [ether.fi](http://ether.fi) Cash is available and where such promotions are permitted by law.
* You must:
* Have an active [ether.fi](http://ether.fi) Cash account in good standing.
* Have completed KYC.
* Use a **personal** (non-business) card.
* Business or commercial accounts may be excluded from this promotion.
* Additional geographic or regulatory restrictions may apply.
## **Exclusions**
The following **do not** count toward eligible spend or may reduce it:
* Cash advances, ATM withdrawals, and similar cash-equivalent transactions.
* P2P transfers, money orders, and gambling transactions where restricted.
* Refunded, reversed, pending or chargeback transactions.
* Fraudulent, abusive, or suspicious activity as determined by [ether.fi](http://ether.fi).
[ether.fi](http://ether.fi) may update or refine the exclusions list as required by applicable law or risk policies.
## **Reward Distribution**
* Rewards (USDC) are expected to be distributed on or before **March 28, 2026**, but [ether.fi](http://ether.fi) may reasonably adjust this timeline.
## **Anti-Gaming and Fraud Monitoring**
* Returned or refunded purchases will **reduce** your eligible spend and may reduce your cashback.
* [ether.fi](http://ether.fi) reserves the right to:
* Disqualify users exhibiting suspicious, abusive, or fraudulent behavior.
* Withhold, reduce, claw back, or cancel rewards if misuse or gaming is suspected.
* Block certain account actions (such as email changes) for referred users during or after the campaign for fraud-prevention reasons.
* [ether.fi](http://ether.fi)โs decisions regarding eligibility, rewards, and disqualifications are **final and binding**.
## Miscellaneous
* [ether.fi](http://ether.fi) may modify, suspend, or terminate the **Spend and Earn** promotion at any time, including changing reward rates, caps, or dates, where permitted by law.
* In the event of any conflict between these terms and other communications, these terms will govern.
* Participation constitutes acceptance of these terms, the [ether.fi](http://ether.fi) Cash terms of use, and any applicable privacy or product policies.
---
# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.
## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation by asking a question.
Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters:
```
GET https://etherfi.gitbook.io/etherfi/events/events/spend-and-earn.md?ask=&goal=
```
`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is what the user is ultimately trying to achieve, the reason they need the answer. Sharing it helps GitBook give you a better, more relevant answer. A goal is most helpful when it describes the outcome the user wants rather than restating the question. For example, with `ask=how do I create an API token`, a goal like `automate deployments from our CI pipeline` lets GitBook tailor the answer to that use case.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.
Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.