# Deposit Bonus & Referrals

> How the $25 deposit bonus works, including what counts toward $100 in net deposits, the 30-day hold, phone and identity checks, review and payout, and what each status means, plus referral rewards and the partner program.

Both offers pay $25 in USD into your Fiber balance. Both depend on keeping net stablecoin deposits for 30 days, and both are reviewed before they're paid. The deposit bonus terms are at [fiber.so/promotions](https://fiber.so/promotions). The referral rules are on this page.

## The $25 deposit bonus

New users who deposit $100 and keep it can get $25.

1. **Add $100** in stablecoins, in one deposit or several. The 30 days start when your net deposits reach $100.
2. **Keep it for 30 days.** Your net stablecoin deposits must stay at $100 or more for 30 days in a row.
3. **Verify your phone number** before the 30 days end.
4. **Review.** Fiber reviews every claim before paying it and may ask you to verify your identity first.

When the review is approved, Fiber sends the $25 to your USD balance, usually within about an hour.

### What counts

Net deposits are your completed stablecoin deposits minus your completed USD withdrawals and sends to anyone else.

- **Counts:** USDC and USDT deposits on the supported networks, and USD bank deposits, which arrive as USDC.
- **Doesn't count:** money another Fiber user sends you, trades, rewards, and price changes.
- **Brings your total down:** sends to other people, wallet withdrawals, and bank withdrawals.

You don't need to trade. Buying or selling doesn't affect the bonus either way.

If your net deposits drop below $100, the 30 days start again. That can happen even after review, until the $25 is sent. You can still withdraw while you wait, as long as your net deposits stay at $100 or more.

### Statuses on Home

| What Home shows | What it means |
| --- | --- |
| Deposit $100, get $25 | You haven't qualified yet |
| Your $25 reward arrives in… | The 30-day hold is counting down |
| Your $25 reward needs your phone | Verify your phone so the claim can be reviewed |
| Your $25 reward is on hold | Net deposits dropped below $100. Keep $100 for another 30 days. |
| Your $25 reward is in review | You've done every step. The team is checking the claim. |
| Verify your identity to get your $25 | The review needs identity verification. Tap to verify. |
| Your $25 reward is on its way | Approved. The payment is being sent. |

The countdown ends when the hold finishes, not when the $25 is paid. Review comes after the hold, and it has no fixed timeline.

### Rules

- One bonus per person, however many accounts they open.
- Every claim is reviewed. Fiber may delay or decline a claim, or require identity verification, if something looks off.
- The offer is for a limited time, and the bonus isn't guaranteed until it's in your balance.

## Referrals

Invite friends with your personal link. When a friend qualifies, you earn $25. Your friend can earn their own $25 deposit bonus too.

**Where to find your link:** tap your name at the top of Home, then **Refer & earn**. You'll see your link, a QR code, and **Share invite link**. On the web, use **Refer a friend** on Home. Your link looks like `fiber.so/i/` followed by your personal code. It doesn't show your Fibertag.

### How a referral qualifies

1. Your friend opens your link, then creates their account within 7 days.
2. Within 30 days of opening your link, they reach $100 in net stablecoin deposits. They then keep it for 30 days in a row and verify their phone.
3. Their own $25 bonus is reviewed and paid first. Your $25 follows after its own review.

You don't need a verified phone to earn referral rewards. Your friend does.

**Your referrals** shows each friend as **Joined**, **In progress**, or **Qualified**. Referral rewards appear in your history as "Referral reward."

### Rules

- A person can be referred once. The first valid referral counts.
- You can't refer yourself.
- One reward per person, however many accounts they open.
- Every referral is reviewed, and Fiber may ask for identity verification before paying.

## Partner program

Partners are affiliates and ambassadors who work with Fiber under a separate agreement. The Fiber team sets up partner accounts. There's no application in the app.

Partners get a **Partner** dashboard instead of Refer & earn. It has labeled tracking links, visits, signups, and earnings for each link. Partners earn commissions instead of the $25 referral reward, paid monthly into their Fiber balance. People who sign up through a partner can still earn their own deposit bonus.

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Fiber is a financial technology company, not a bank. Banking services are provided by SSB, Member FDIC. Funds deposited at SSB are eligible for FDIC insurance up to $250,000 per depositor, per insured bank, subject to applicable limitations and FDIC rules.