Referral system

The reward depends on a referral successfully completing a real withdrawal. It enters the referral balance and is exchanged for Silver at the current rate. Test payouts create no rewards. Withdrawable USD is created only by the state buyback of delivered pearls.

Levels: level 1 — 5%; level 2 — 2%; level 3 — 1%; level 4 — 0.5%; level 5 — 0.25%.