Invite your friends to apply for an XT Card, and once they complete the required tasks, both of you will receive rewards. The more friends you invite, the more you earn.
Who Can Invite
- Only registered XT users with active accounts
Who Can Be Invited
- Must never have applied for an XT Card before (virtual or physical cards count)
- Must use a referral link or code to apply
Reward Conditions
The invitee must complete all of the following tasks:
✅ Task 1: Successfully Apply for an XT Card
- First-time XT Card application (virtual or physical).
- Application approved and card successfully activated.
✅ Task 2: Using Your XT Card Within the Specified Period
- Start time: counted from the first activation of the card.
- Valid period: 30 days (calendar days).
- Transaction: at least 100 USD in total (or equivalent in other currencies).
✅ Task 3: Valid Transactions Only
- Only settled transactions are counted.
- Excluded: pending transactions, canceled orders, and refunded amounts.
- Only XT Card payment counts; other payment methods are excluded.
Reward Amount
| Role | Reward | Notes |
| Inviter | e.g., 10 USD equivalent in XT | As per the actual campaign |
| Invitee | e.g., 5 USD equivalent in XT | As per the actual campaign |
* Reward amounts and currency may change based on the campaign. Please refer to the campaign page for the official details.
Reward Distribution
- Timing: within 7 days after the invitee completes the tasks.
- Where: automatically credited to the inviter’s and invitee’s XT Spot Account.
- Notification: via in-app message.
Time Calculation Rules
| Item | Description | Example |
| Task start time | From card activation | Activated on Jan 1 → task starts on Jan 1 |
| Task validity | 30 calendar days (inclusive the starting day) | From Jan 1 to Jan 30, 23:59:59 |
| Transaction statistics | Based on transaction confirmation time | Typically confirmed 1–3 days after transaction |
Transaction Calculation Rules
✅ Counted:
- Online and offline XT Card transactions.
- Settled transactions only.
- Transactions in different currencies converted to USD at the real-time exchange rate.
❌ Not counted:
- Pending transactions.
- Canceled transactions.
- Refunded amounts (full refunds are excluded; partial refunds counted based on remaining amount).
- Card management fees, annual fees, and other similar charges.
Refund Calculation Rules
- Partial refund: Only the amount remaining after the refund counts.
- Example: spend 100 USD, refund 20 USD → 80 USD counts. - Full refund: The transaction is not counted.
- Example: spend 100 USD, full refund → 0 USD counts. - Refunds after the task period: Rewards remain valid if refunds occur after the campaign period.
Important Notes
- Refund during the task period affects progress in real time.
- Transaction ≥ 100 USD after refund → task still valid.
- Transaction < 100 USD after refund → task incomplete. - Refund after the task period:
- Reward not yet issued: recalculate based on refunded amount; if < 100 USD → cancel reward.
- Reward already issued: if the transaction <100 USD after the refund → recover reward. - Recovery method: deduct from the user’s spot account balance.
- If balance insufficient → record as debt, automatically deducted upon next deposit. - Recovery valid period: within 90 days after reward issuance.
Task Status Explanation
| Status | Description | Reward Eligibility |
| In Progress | Invitee applied successfully; within validity period, transaction < 100 USD | No reward yet |
| Completed | Invitee's transaction ≥100 USD within 30 days | Reward issued within 7 days |
| Expired | Task period over, transaction < 100 USD | No reward |
| Under Review | Tasks completed; pending risk review | Reward issued after approval |
| Failed Risk Check | Did not pass risk review | No reward |