The Cypher Referral Program rewards users for helping grow Cypher by referring their friends, family, or network.

You earn 10% of your referral’s reward points from their eligible spending, excluding refunds and ATM transactions.
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For example, if your referral spends $1,000, you will receive 100 reward points (10% of $1,000).
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Certain transactions do not earn rewards, including:

If your friend's total spending is $1,000, but this includes $200 in ATM withdrawals and $100 in refunds, the eligible amount for rewards is: $1,000 - $300 = $700

You would then earn 70 reward points (10% of $700).
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You'll receive an additional 200 points if your referral signs up for the Premium Plan.