For every user who successfully enrols (using your referral code) , gets successfully verified & successfully receives there first loan with smart kiosk. We credit your loan account for deduction on your next loan with smart kiosk. The referral amount* is ONLY deducted from the amount payable on your next loan with us. The amount is not transferrable or withdrawable & expires automatically after 1 year of no utilisation (no borrowing) If you don't qualify for a loan you won't have access to it. ​ NOTE: The referral bonus is NEVER paid directly to you in any form. The more users that enrol (using your code) & obtain loans with us, repay timely the more your limit may grow😎 (if you are qualified for a loan)