F12: Referral/Sharing Program

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Summary

Referral program where invitee must bind a credit card to activate the referral relationship and reward. Filters for genuine, payment-ready signups.

Acceptance Criteria

• Referral link generation and sharing
• Invitee must bind credit card to activate referral relationship
• Reward mechanism for referrer
• Fraud protection: filters throwaway referrals
• Referral dashboard/tracking

Sprint Assignment

• Sprint 4: Secondary release (start)
• Sprint 5: Completion and polish using accumulated funnel data

Success Metrics

• Referral-to-paid conversion rate