Maclear / Bonuses & Rewards / Referral & Cashback Program / How does the Maclear 3+3 Referral Program work: conditions and payout rules

How does the Maclear 3+3 Referral Program work: conditions and payout rules

03.06.2026

3 min

The Maclear 3+3 Referral Program pays 3% to the referrer and 3% cashback to the invited investor on every qualifying Primary Market investment made within the invited investor's first 90 days after registration. Both bonuses are calculated per investment and credited automatically in EUR once the project reaches Funded status. There are no caps on the number of referrals or the total bonus amount.

Full conditions at a glance

Condition

Detail

Referrer bonus

3% of each qualifying investment

Invited investor bonus (cashback)

3% of each qualifying investment

Qualifying market

Primary Market only

Qualifying period

First 90 days from the invited investor's registration date

Minimum investment to qualify

€50

Bonus currency

EUR

Crediting trigger

Project reaches Funded status

Cap on referrals

None

Cap on bonus amount

None

Secondary Market investments

Do not qualify

How the bonus is calculated per investment

The 3% is applied to each individual investment amount, not to a cumulative total. Every time the invited friend's invested project reaches Funded status within the 90-day window, both bonuses for that specific investment are triggered and credited separately.

Example from the knowledge base:

— Friend invests €10,000 in a project → project reaches Funded → referrer receives €300, friend receives €300 cashback.

— Same friend invests an additional €50,000 in another project within the same 90-day window → project reaches Funded → referrer receives €1,500, friend receives €1,500 cashback.

Total for the referrer across both investments: €1,800. Total cashback for the friend: €1,800.

Does the referral bonus apply to Secondary Market investments?

No. Only investments made on the Primary Market qualify. Purchases on the Secondary Market by the invited investor do not generate a referral bonus for the referrer and do not count toward the invited investor's cashback.

What counts as a qualifying investment for the referral program?

Three conditions must all be met simultaneously:

  • The investment was made on the Primary Market.

  • The investment was made within the invited investor's first 90 days after registration.

  • The project reached Funded status — this is the crediting trigger, not the date the investment was Reserved.

    • The third condition creates an important edge case: if the invited friend's funds are placed in Reserved status before day 90, but the project reaches Funded status after the 90-day window closes, neither the referral bonus nor the cashback will be credited. The qualifying date is determined by the Funded transition, not the reservation date.

    Can I earn referral bonuses on multiple investments from the same friend?

    Yes. There is no limit per referred investor. Every qualifying Primary Market investment the friend makes within their 90-day window generates a separate bonus for the referrer and a separate cashback for the friend. The program continues across all their investments until the window closes.


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


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    Where to track your Maclear referral and cashback bonus statistics

    Maclear surfaces referral and cashback statistics in three places: the Referrals section shows your link plus lifetime Referral profit, Referrals registered, and Referrals invested counters; the Overview profit chart breaks out cashback as a separate line; and Statements → Tax provides period-specific Referrer Reward Income and Cashback Return totals for a chosen date range.

    When is the Maclear referral bonus paid out and when can you withdraw it?

    Maclear referral and cashback bonuses credit automatically the moment a relevant project transitions from Prefunded to Funded — no manual claim. Once credited, they sit in your Available balance and are withdrawable or reinvestable at any time, subject to the €50 minimum withdrawal. Bonuses appear as Referrer Reward Income and Cashback Return in the tax statement.

    What is the Maclear cashback bonus and how do you qualify?

    The Maclear Cashback Bonus pays 3% of each Primary Market investment new investors make within their first 90 days — provided they registered through a referral link or code. Cashback credits in EUR when the project reaches Funded status. €50 minimum. Secondary Market purchases don't qualify, and retroactive referral connections aren't possible.

    How to invite friends to Maclear and earn referral bonuses

    To invite friends to Maclear, open the Referrals section in your dashboard and copy your personal referral link or code. The friend must register through your link or enter your code at registration — retroactive linking needs a support request. Your link only activates after POA verification; before that the Referrals section is visible but the link is hidden.