Why does Maclear pay high referral bonuses: the economics of the 3+3 program

Maclear pays a 3% bonus to the inviter and a 3% cashback to the invited investor as a deliberate allocation of marketing budget: instead of paying ad networks, the platform pays the investors who bring in new participants. The bonus is triggered only when a real outcome is confirmed — a funded investment — not at registration, deposit, or reservation. At current base rates of 14–16% APR, a 3% cashback on a first investment materially increases the effective return for a new investor in the first funding cycle.

The logic behind paying both sides

Most referral programs reward only the person doing the referring. Maclear's 3+3 design pays both parties. A new investor who receives cashback on their first investments has a direct financial incentive to invest, stay active during the 90-day window, and reach the Funded stage — which is exactly when the bonus is triggered. This aligns the interests of the inviter, the invited, and the platform.

The cost of acquisition is tied directly to value generated. No funded investment — no bonus paid.

Where does the money for referral bonuses come from?

Maclear's bonus programs — including the referral program, cashback, and investment promotions — are funded from platform revenue and external financing. Bonus payments are not deducted from investor returns and do not affect the interest rate on any project.

Is 3% a high referral rate compared to other P2P platforms?

Percentage-based referral structures are less common in European P2P lending than flat sign-up bonuses. Among platforms that do use percentage cashback, the typical range is 0.5%–1% of invested capital: PeerBerry offers 0.5% cashback for new investors within the first 90 days, while Crowdpear and Nectaro offer 1% within similar windows (source: p2pempire.com, p2pincome.com). Maclear's 3+3 structure — 3% for the inviter and 3% cashback for the invited investor — sits materially above this range. For context: a friend who invests €10,000 in the Primary Market during their first 90 days generates €300 for the referrer and €300 cashback for themselves, both credited automatically after the project reaches Funded status.

Is the Maclear referral program permanent?

The 3+3 Referral Program operates as part of Maclear's current growth phase. The program parameters — rate, window duration, and conditions — may be adjusted as the platform develops. Any material changes to program terms are communicated to investors in advance.

Regulatory disclosure: Maclear AG, registered in Switzerland, member of PolyReg SRO, a self-regulatory organization supervised by FINMA.