# Refer & Earn Zidee Wallet has a personal referral link that unlocks borrow capacity on the upcoming **Lending Vault**. Every friend who signs up through your link and runs Autopilot at least once counts toward your capacity tier. Every 10 active referrals unlock $200 of borrowing power. > **Borrowing launches with the treasury responder.** Today your referral count is being tracked and you can build it up ahead of time. The borrow ceremony itself is signed-but-not-filled until the responder is deployed. ## Where to find your link Two paths in the app: * **Settings → Account → Invite friends**: opens the Vault screen, which is the canonical home for the link. * **Vault screen** (homepage action row, fourth icon), scroll past the capacity card to find the **Your referral link** card with a one-tap Copy button. The link format is `https://wallet.zirodelta.com?ref=`. The `` is the random-name slug Zidee assigned you at signup (e.g. `warm-fox-42`). It stays stable across sessions and devices. ## How capacity is calculated Capacity grows linearly with active referrals: * **$20 per active referral.** Each active friend adds $20 of borrow capacity. No tier steps. * **$100 invite bonus.** If you signed up through someone else's referral link and have run Autopilot at least once, you start with a one-time $100 head start. That brings you to the $200 borrow floor in 5 active referrals instead of 10. | Your signup | Active referrals | Capacity unlocked | | --------------------------------------- | ---------------: | ----------------: | | Joined directly | 0 | $0 | | Joined directly | 5 | $100 | | Joined directly | 10 or more | $200 | | Joined via a link + active on Autopilot | 0 | $100 | | Joined via a link + active on Autopilot | 5 or more | $200 | **Round 1 caps per-user capacity at $200.** Additional active referrals beyond the unlock threshold don't raise your borrow ceiling this round. The cap lifts in later rounds as treasury size and loan-size limits expand. Capacity below $200 is shown as $0 in the app, since the wallet doesn't surface sub-$200 borrows. If you joined via a referral link but haven't activated Autopilot yet, your capacity follows the direct-signup math. The $100 bonus unlocks the first time Autopilot settles funding for you. ## What counts as "active" A referral is **active** only if the invitee has at least one of: * **An open Autopilot position** (currently running a delta-neutral trade on Hyperliquid), OR * **Any prior funding event** (Autopilot has settled funding for them at least once). Both signals require the invitee to have actually deposited USDC + reached a ZDLT tier + run Autopilot. A friend who signs up, logs in once, and never deposits does **not** count, that's the anti-farming gate. Funding ten empty wallets would require funding each one with ZDLT and onboarding it through deposit + agent approval, which is economically irrational vs. the $200 capacity unlock. The check runs against your invitees' on-chain footprint at the moment you load the Vault screen. There's no minimum hold time and no cooldown, once your friend's first funding event lands, they count for you. ## What your friends get A friend who clicks your link lands on the Zidee Wallet onboarding flow with the referrer attribution captured in a cookie. When they complete signup, you're recorded as their referrer. This is **one-time and immutable**: * Once set, the referrer attribution cannot change. Your friend can clear cookies and re-visit, but if they already signed up under another referrer (or under no referrer), the attribution stays whatever it was. * A friend who arrives without a referrer link and signs up has no referrer attribution. They cannot be retroactively assigned to anyone. The link doesn't gate signup, anyone can use Zidee with a Privy login. The referrer attribution drives three things: your capacity unlock math (each active invitee adds $20 of capacity for you, up to the $200 round-1 cap), the future referrer payout when your invitees' loans close, and a **$100 invite bonus** that lands on your friend's own capacity once they activate Autopilot. The bonus brings them to the $200 borrow floor in 5 active referrals instead of 10. ## What you'll get when borrowing launches When the Lending Vault treasury responder deploys, two payoffs activate: 1. **Borrow capacity** based on your active referrals (and your invite bonus, if any). The headline mechanic above maps refs to capacity; once you cross the $200 minimum-borrow floor, you can post ZDLT as collateral and draw USDC against it. 2. **Referrer payout per closed loan**: when a referred friend takes a loan and **repays at maturity**, the treasury pays you **29% of the interest that loan accrued**. The dollar amount scales with both the loan size and the term length. Concrete numbers for a $200 loan at 25% APR: a 30-day close pays you \~$1.19; a 60-day close pays \~$2.38; a 90-day close pays \~$3.58. Across a full year of monthly-rollover activity by one active referred borrower, that sums to roughly **$14.50 per year**. Defaults pay zero to the referrer. > Both payoffs are inactive today. The referral graph is being built ahead of borrow going live, so you can rank up your referral count now and start earning the moment the responder lights up. ## Edge cases * **No referral link visible**: pull-to-refresh on the Vault screen. If the card still says "Couldn't generate your referral link," your username didn't get assigned at signup (rare; contact support via Settings → Help & Support). * **Capacity stays at $0 despite invites**: your invitees signed up but haven't yet deposited and run Autopilot. The capacity card on Vault shows your active referral count directly, if it's lower than the number of friends who clicked your link, those friends haven't passed the activity gate yet. * **You arrived under a referrer but it's wrong**: referrer attribution is immutable. Contact support if you signed up under the wrong code; we can audit but cannot retroactively reassign. * **Sharing via QR or screenshot**: copy the link and paste into any messenger. There's no link-shortener, custom landing page, or branded QR generator built in yet. Use whatever sharing tools your phone provides. ## Why the gates are built this way The $200 minimum-borrow + active-history floor is the **anti-sybil mechanism** for the Lending Vault. Treasury capital is finite (round 1: $30K, \~150 borrowers). If a single user could spin up empty wallets and unlock $200 of treasury borrowing through any of them, the treasury would drain to recycled self-loans within hours. By requiring each invitee to have *actually used* Autopilot (deposit + run + first funding event), every unlocked dollar of capacity reflects one real user who Zirodelta is happy to keep on the platform. The $100 invite bonus inherits the same gate: it only lands once the invitee passes the active check, so a referral link can't be redeemed by an empty wallet that never deposits. The trade-off is that the referral graph grows slower than a frictionless link share. That's intentional. Honest growth is the point. > **See also:** [Overview](/zidee-wallet/overview.md) · [Tiers](/zidee-wallet/tiers.md) · [Holdings & Actions](/zidee-wallet/holdings-and-actions.md) --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.zirodelta.com/zidee-wallet/refer-and-earn.md?ask= ``` The question should be specific, self-contained, and written in natural language. 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.