> For the complete documentation index, see [llms.txt](https://docs.owlto.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.owlto.finance/getting-started/reward-system/referral-and-rewards.md).

# Referral & Rewards

#### **Referral Program**

Owlto Finance utilizes a referral mechanism to incentivize ecosystem growth. Users can generate a unique referral link by connecting a wallet to the platform.

Referral Lifecycle

The following workflow outlines the commission generation process:

1. Invitation: User A shares their unique referral link with User B.
2. Activation: User B connects their wallet and completes a cross-chain transaction.
3. Commission Generation: A percentage of the transaction fee generated by User B is calculated as a rebate.
4. Settlement: The earned share is automatically credited to User A’s commission account.

Reward Structure

{% tabs %}
{% tab title="Rebate Rate" %}

<table><thead><tr><th width="319.0625" align="center" valign="middle">Invitee's Cross-Chain Transaction Count</th><th>Rebate Rate</th></tr></thead><tbody><tr><td align="center" valign="middle">≤ 1</td><td>10%</td></tr><tr><td align="center" valign="middle">＜ 10</td><td>11%</td></tr><tr><td align="center" valign="middle">＜ 50</td><td>12%</td></tr><tr><td align="center" valign="middle">＜ 100</td><td>13%</td></tr><tr><td align="center" valign="middle">＜ 500</td><td>14%</td></tr><tr><td align="center" valign="middle">＜ 2000</td><td>15%</td></tr></tbody></table>
{% endtab %}

{% tab title="Withdrawal Rules" %}

* Minimum Withdrawal Amount: 10 USDT
* Withdrawal Fee: 0
  {% endtab %}
  {% endtabs %}