Rewards programme
Refer a friend. Receive silver. For life.
Two rewards at once. A direct one in physical silver, and a monthly one that can run for years — paid out in gold and silver to your Kinesis balance.
Two layers
One-off silver, lifelong yield.
01 — Direct
0,0 oz
Kinesis Silver (KAG)
For every referred user who verifies their account and passes the threshold of $17,500 in trading volume, you get half an ounce of silver credited. The referred person gets the same half ounce — the programme works for both sides.
One ounce ≈ 31.1 grams. At an indicative silver price of ~€0.90 per gram (May 2026), half an ounce is roughly €14 in value, delivered as a KAG token that you can hold, exchange or have physically delivered (from 200 oz).
02 — For life
0,0%
Referral yield, monthly
Here's the real story. As long as the user you referred is active on Kinesis, you get 7.5% of all the transaction fees they incur — on every Visa card purchase, every trade on the Exchange, every fiat conversion. Paid out monthly in physical gold and silver.
One active user who pays for their groceries with the Visa card every month and trades occasionally earns you a structural few hundred milligrams of gold per year. Ten active users adds up.
Conditions
When does a referral count?
A referred user must do three things before the silver reward is released and the payouts start:
Sign up via your unique referral link
You find this link in your Kinesis account once you are verified yourself. Anyone who registers via this link is automatically linked to you.
Verify the account (KYC)
The standard identity process that Kinesis applies to every user under Cayman supervision.
Reach the threshold of $17,500 in trading volume
This can be spread over multiple transactions, in fiat or digital assets. For anyone who buys €15,000 in gold in one go, this is reached within a single order.
Once all three conditions are met, both parties automatically receive the half ounce of silver in their balance. The 7.5% referral yield starts immediately from the referred user's first paid transaction and keeps running as long as the account is active — there is no end date and no cap.
Example
How it stacks up.
Suppose you share your link with ten people who, over a few months, each complete their verification and trading volume. What do you get then?
One-off
5 oz
physical silver (10 × 0.5 oz) credited to your balance
Monthly
7.5%
of all the fees these ten users generate together — ongoing in gold and silver
Duration
∞
no end date, no maximum number of referrals
The exact amounts depend on how active your referred users are — someone who pays with the Visa card and trades on the Exchange weekly earns more than someone who holds their gold passively. That is precisely the appealing part: your yield grows along with someone else's usage, without you having to do anything yourself.
Beyond inviting friends?
The Kinesis Partner Program.
Alongside the regular referral programme (0.5 oz silver + 7.5% Referrer's Yield), Kinesis has a separate affiliate tier for partners with a larger audience. Up to 25% of the transaction fees of your network, for life and paid out monthly in gold and silver.
Up to 25%
of all the transaction fees of your network, scaling with volume. The regular Referrer's Yield remains 7.5% — the Partner Program sits on top.
Unlimited
No cap on the number of referrals or the commission. For life, as long as the referred accounts are active.
Audience criteria
10,000+ for the precious-metal niche, 5,000+ for payment services, 2,500+ for crypto traders. A smaller but engaged audience can apply on request.
Apply via Kinesis. Existing referrers can migrate to the Partner Program once they meet the audience criteria. Source: kinesis.money/partners-yield.
Visa card · third source
Cashback in gold via the Kinesis Visa card.
Alongside silver through referrals, you can also build physical gold via the Kinesis Visa card on every purchase you make. The card is funded by your gold or silver balance — at every payment, the required share is automatically converted into the local currency. The cashback itself is always paid out in physical gold (KAU), even if you pay from your silver balance — that is a fixed property of the card, not something you choose in the app.
Base cashback
0%
On every purchase with the card
Worldwide, up to a maximum of $40 cashback per month — automatically credited as physical gold to your Kinesis balance.
At Metalback retailers
tot 0%
On top of the base 2%
Metalback is a cashback network of 6,000+ online shops in fashion, electronics and lifestyle that pays out in physical gold. The exact percentage differs per retailer.
The card is currently live in the United States. In the Netherlands it does not work yet — EU regulation around precious-metal-backed debit cards is delaying the rollout. Anyone who starts saving now is ready as soon as the card lands here.
First create an account yourself.
Your referral link becomes visible once you are registered and verified yourself. Open a free account in about two minutes — deposit with iDEAL and buy your first gram of gold from one euro.
Open your free account →Doubts about the safety of your gold? Read how Kinesis protects your gold →
← Back to the overviewThreshold amount ($17,500) and payout conditions according to the Kinesis terms.