​
The Sensorium $SENSO wallet is now open and the $BTC-SENSO and $ETH-SENSO markets will begin trading shortly on http://global.bittrex.com. For more information visit: https://sensoriumxr.com/senso-token
TIDAL, high-fidelity music and video streaming service owned by JAY-Z, Lil Wayne, Rihanna, Calvin Harris, Daft Punk, and Chris Martin, has purchased $7 million worth of SENSO. This ERC-20 token functions as the in-platform token of Sensorium Galaxy — a social VR platform that allows users to communicate in a new way, attend concerts, dance performances in a virtual alternate universe.
This sizable purchase is the result of an exclusive partnership agreement signed between the companies to enable artists on TIDAL to stream their content in the Sensorium Galaxy. “Our relationship with Sensorium provides TIDAL with the opportunity to gain exclusive rights for its stellar artist roster to have their shows and music broadcast exclusively within Sensorium’s themed virtual entertainment worlds,” says TIDAL COO Lior Tibon.
As its name suggests, the Sensorium Galaxy consists of multiple worlds that serve as content hubs. The public launch of the platform is scheduled for the first half of 2021 with the release of two worlds: Prism and Motion. By immersing themselves with a VR headset, users can explore these different locations, socializing with other participants and attending events organized by the leaders of the entertainment industry. To ensure that everyone gets a chance to join Sensorium Galaxy, the platform will also be available for PC, Android, and iOS devices.
The collaboration between Sensorium Galaxy and TIDAL is one step forward in the development of the platform, which already counts on the support of Yann Pissenem, founder of Ushuaïa Ibiza and Hï Ibiza nightclubs, and the dance superstar Sergei Polunin.
Sensorium Galaxy works with Unreal Engine 4 to offer AAA graphics in a virtual reality set up. Platform developers also leverage artificial intelligence so that avatars can learn from users and subsequently exist autonomously, attending specific events, or establishing contacts with other participants based on the user’s preferences. The use of AI is a distinctive aspect of Sensorium Galaxy, as it could potentially help users achieve “digital immortality.”
At the core of Sensorium Galaxy are SENSO — ERC-20 tokens that function as currency inside the virtual ecosystem. With these tokens, users can purchase tickets to multiple activities, premium subscriptions, and add-ons to customize their avatars. The company plans to acquire over 1.8 million users by 2022.
To date, SENSO is listed on renowned cryptocurrency exchanges, such as Bittrex, KuCoin, Bitcoin.com and HitBTC.
Sensorium Corporation, the technology company behind this development, was founded in 2018 by billionaire Mikhail Prokhorov and has so far attracted over $100 million in private investments. In a recent interview with Forbes, Prokhorov outlined the huge potential of combining VR and AI technologies to “fix” what he described as a crisis in the current digital communications landscape. “The combination of VR and AI creates unique opportunities for developing new platforms where users can seamlessly interact with the virtual environments and between each other. We are confident that the development of a new way of communication in virtual setups, along with the limitless possibilities for individual and collective self-realization in those digital environments, will result in massive business opportunities”
In this regard, Tibon adds that “the Sensorium Galaxy is a next-generation platform for entertainment consumption which will elevate the connection fans have with their favorite artists and bring the artist’s vision to life in a new and exciting way.”
Source

1/ As awareness is increasing for @quant_network after recent announcements I encourage everyone to see the thread below providing more details around the project. Excellent Team, Tech, Use cases, Tokenomics, Partners has it all.
https://preview.redd.it/usj6bepzvz751.png?width=1345&format=png&auto=webp&s=bf859c622fcf2fdebf9c1be24b369e7a8312119d
2/ Quant’s Overledger Blockchain Operating System not only provides interoperability between all the leading Enterprise and Public Blockchains but also connecting the world’s networks to blockchain with just 3 lines of code.
https://preview.redd.it/1tf32qb1wz751.png?width=1200&format=png&auto=webp&s=f6d7c437d5b764916fab8fdfefe787ad2afce38f
3/ Unlike other solutions, Overledger solves interoperability at scale without the overhead/bottleneck/single point of failure of adding another blockchain in the middle, nor does it impose restrictions / require blockchains to fork their code to connect.
https://medium.com/@CryptoSeq/what-is-a-blockchain-operating-system-and-what-are-the-benefits-c561d8275de6
4/ Overledger is not a blockchain itself, but an OS that runs on top of multiple blockchains, providing a platform to build and use multi chain applications and abstracts all of the complexities involved with integrating with all the different blockchains
https://medium.com/@CryptoSeq/blockchain-operating-system-learning-from-the-past-to-build-a-better-future-92142c823d30
5/ #Interoperability is more than just Blockchain-to-Blockchain. True Interoperability is Any-to-Any.@quant_network are launching a universal connector for Overledger which allows for any API to connect to any Blockchain through Overledger.
https://preview.redd.it/taxpb9p3wz751.png?width=806&format=png&auto=webp&s=8c527753dc62ab00756c8a32fa16134b91df8821
6/ This will mean APIs like IFTTT/ZapiePayment APIs/Banking APIs/IoT APIs etc can now seamlessly interoperate with Blockchains through Overledger. You can integrate pretty much any tech and API into Overledger
https://preview.redd.it/7f35q465wz751.png?width=1199&format=png&auto=webp&s=09dd7480212eb44903a683e81ecb9878ff077fbe
7/ Quant's approach is superior, enabling scalable interoperability, can connect any blockchain / existing network, future proof and without imposing limitations / requiring connected chains to fork their code
See https://twitter.com/CryptoSeq/status/1270237869043572737
and this article https://medium.com/@CryptoSeq/quant-networks-overledger-part-two-the-layers-of-overledger-ea23a7148af1
8/ Every Blockchain has their own advantages and disadvantages. Why compromise on one platform when with Multi-chain Applications (MAPPs) you can combine the best features from multiple? Why have the risk and limitations of Vendor Lock in?
9/ Only Overledger enables Treaty Contracts, where you can deploy, query and execute multi-chain smart contracts. Bridge and extend smart contracts across multiple blockchains.
10/ Overledger Network is due to launch in a few days and is a Network of Networks, which allows enterprise and communities stakeholders to access and participate in a growing hyper-connected decentralised ecosystem
https://preview.redd.it/00z37ih7wz751.png?width=679&format=png&auto=webp&s=b073064f717953e6329a07bc61f3d77dd334f643
11/ Enterprises, banks, central banks, trading venues, etc will be able to host their own secure dedicated gateways, enabling secure connectivity to permissioned networks, permissionless networks, ecosystems, consortia and other distributed technologies.
https://medium.com/@CryptoSeq/the-network-of-networks-scalable-interoperability-to-unleash-the-true-potential-of-blockchain-c54e7d373d2d
12/ Community members will also be able to run an Overledger gateway to further enhance the scalability, decentralisation and optimise network latency, providing enterprises, developers and users choice to use the closest gateway when accessing permissionless blockchains.
13/ The Overledger gateways will create a scalable p2p network that shares the transaction and volume between participants and chooses the closest or largest node to transact with
https://medium.com/@CryptoSeq/how-the-overledger-network-community-treasury-powers-the-network-of-networks-b716b01d8284
14/ Quant will be open sourcing the connectors so that anyone can connect their favourite blockchain to Overledger Network and benefit from increased adoption from the Enterprises, Developers and users of all the existing connected blockchains / networks.
15/ Partners: Quant have partnered with SIA, the leading financial network provider in Europe and both companies are confident that this development will play an integral part in building the financial infrastructure of the future globally
https://www.sia.eu/en/media-events/news-press-releases/quant-network-and-sia-successfully-tested-blockchain-interoperability
16/ SIA provide a private financial network which is the backbone of the European financial market. SIA and SWIFT are the only 2 providers for the Eurosystem Single Market Infrastructure Gateway, granting access to all RTGS, Securities and Instant Payment transactions for Europe.
17/ Overledger is integrated into SIAChain part of that private financial network (SIAnet) that is the backbone of the european financial market, enabling the 580 banks, central banks, trading venues that are building projects on SIAChain to benefit from scalable Interoperability
18/ Some of the largest blockcain projects in the world are being launched on SIAChain, one of those is the Spunta project.
Spunta is a huge project consisting of the entire italian banking system and looks to further expand into europe
https://www.r3.com/videos/italian-banking-association-and-r3/
19/ Another project building on SIAChain is Fideiussioni Digitali, a digital sureties project with the Bank of Italy sia.eu/en/media-event… as well as potential trial platform for digital euro
To read more about the partnership with SIA is a game changer
https://medium.com/@CryptoSeq/quant-network-partner-with-sia-a-game-changer-for-mass-blockchain-adoption-by-financial-9059ab411069
20/ Quant have partnered with Oracle (the 2nd largest Software provider in the world) as a Fintech Partner to deliver financial services infrastructure.
Quant are enabling #interoperability of DLTs to deliver mission-critical business applications and workloads for FS clients.
https://preview.redd.it/o15tnnr9wz751.png?width=1200&format=png&auto=webp&s=8aba1e61de76b39b4f82ce9a3f8a15b456b674f5
https://preview.redd.it/qdnu6piawz751.png?width=1012&format=png&auto=webp&s=b25bee3d43a6d6cc56eab1ad594c656c07658de1
21/ Oracle invited Quant to attend the leading financial event of the year - SWIFT SIBOS where Oracle were co-marketing with Quant to take their solution to their 480,000 clients including meetings with Banks / Central Banks
https://preview.redd.it/oer1rbxbwz751.png?width=770&format=png&auto=webp&s=802d9edfc82fe383aacacd16eabe733a20860703
22/ Another fantastic partnership is with @SimbaChain. It is a smart-contract-as-a-service (SCaaS) platform, enabling users across a variety of skill sets to implement dapps. They are developing on Overledger to allow them to deploy DAPPs across multiple connected blockchains.
23/ SIMBA Chain have recently been awarded a $9.5 million contract with the US Navy, they are also working with the US Air Force. They have a thriving ecosystem with over 2300 Organizations and 1150+ Applications developed.
https://cointelegraph.com/news/us-navy-bets-95m-on-blockchain-to-keep-messaging-secret
24/ Quant are working with clients in the Capital Market space such as AX Trading to bring more digital assets, securities and tokenised assets to their existing 800 institutional traders in an already live and connected FINRA and SEC regulated exchange.
https://medium.com/@CryptoSeq/wall-street-2-0-17252ffd8919
25/ @quant_network's Interchange enables FIAT to be representing on a blockchain enabling Delivery vs Payment across multiple blockchains with cross chain atomic swaps as well as integrating into existing payment rails such as Faster Payments, CHAPS, SEPA, SWIFT, PAY UK
https://preview.redd.it/8w39juydwz751.png?width=1200&format=png&auto=webp&s=0c8cfec6050ff2d6b27922ba640bfbb549fa9db1
https://preview.redd.it/fnxfo0qewz751.png?width=924&format=png&auto=webp&s=a3573556d7081e672bb86e31500f06a75f6ca662
26/ Enormous traditional exchanges like Fidelity, SIX, Nasdaq, Deutsche Borse will soon be entering the space, offering Digital Assets that are traded today on Crypto exchanges as well as tokenising Stocks, bringing in enormous amounts of investment from institutional investors.
​
https://preview.redd.it/w6scjpnvwz751.png?width=430&format=png&auto=webp&s=fc7051595807a58fbe5505b8ccacc58f135ded61
https://preview.redd.it/p5i5rwdwwz751.png?width=1100&format=png&auto=webp&s=e050c5fc5ac4614313e4fd737c1d2c5bf9dcfc31
27/ Quant were made a guarantor of Pay.uk - the UK’s largest payment network. Through this relationship, Quant will shape the payment ecosystem and help set the strategic direction of the Payments infrastructure and adopting the New Payments Architecture (NPA).
https://preview.redd.it/vqg19hngwz751.png?width=770&format=png&auto=webp&s=85bc997d93e052a8e1d0e574a1509c06cb996237
28/ Quant have also partnered with AUCloud and UKCloud to provide highly secure and interoperable Blockchain-as-a-Service for Australian Government and Defence and the critical national industries and supply chains that serve the nation.
https://www.quant.network/blog/quant-network-and-aucloud-partner-to-provide-worlds-first-blockchain-operating-system-for-government-and-critical-national-industries
29/ And others such Crowdz a leading blockchain-based trade finance company who are partnered with Barclaycard and recently received $5.5 million Series A Investment from Barclays Bank and others
As well as being a member of Hyperledger, MOBI and more
https://medium.com/@CryptoSeq/large-enterprise-adoption-of-blockchain-is-happening-enabled-by-quant-networks-overledger-32321b650115
30/ The Team: Gilbert Verdian the CEO - his CV speaks for itself. Before starting Quant he was the Chief Information Security Officer for Vocalink (Mastercard) and was in charge of security for the entire payments in the UK managing £6 Trillion per year
https://www.gilbertverdian.com/cv/
31/ Martin Hargreaves recently joined as Chief Product Officer. He has 12 years experience at Vocalink and was the Vice President of Product. Vocalink (Mastercard) manage the entire payments system for the UK as well as other payment networks in the US, Singapore
https://preview.redd.it/mfzp5bfiwz751.png?width=1200&format=png&auto=webp&s=d3f7f16e5f2f8ad27907f5b94e5af3aadb548d18
32/ Guy Dietrich the managing director of Rockefeller Capital (who manage assets worth over $30 billion) joined the board of directors and has attended meetings personally with Gilbert such as with the Financial Conduct Authority in the UK
https://preview.redd.it/on3qgijkwz751.png?width=619&format=png&auto=webp&s=d7a2c38edd0efd32487c33b0b552ed54eefd18d8
33/ Gilbert founded ISO TC 307, the globally recognized standard which has 57 countries working towards. This is vitally important for Enterprise / Government adoption and designed from the start to adhere to those rather than have to redesign it later.
https://preview.redd.it/b9ugauimwz751.png?width=1200&format=png&auto=webp&s=6d9c483e3017310814220260711fd737edc55fcb
34/ Not only do they have enormous meaningful partnerships, advanced tech that's solving a problem which is very much needed and an excellent team, they also have the best tokenomics i have seen in a project and is integral to everything.
https://preview.redd.it/udtf3w9owz751.png?width=1345&format=png&auto=webp&s=42cfe696b777591bb034dd71e4bd782284e0bcf1
35/ Hedge against Inflation - has a total supply of just 14.6 million, no inflation, no new tokens minted and no huge % of tokens controlled by the team waiting to be released. Circulating supply is 12 Million which will reduce over time with QNT being locked up for licenses
36/ Whether it's #Bitcoin, Stable Coins, #DeFi, Central Bank Digital Currencies that come out on top or a combination of all, @quant_network is working with them all, connecting , , and working with multiple Central Banks all leading to more demand / usage of
37/ @Overledger has been designed to be future proof by not being a blockchain itself and performing #interoperability at a layer above, learning from what made TCP/IP so dominant after 40+ years. Whether it be Blockchain 1.0, 2.0, 3.0.. it doesnt matter,$QNT can connect them all
38/ Whether it be Permissioned or Permissionless Blockchains, @Overledger can connect them all. Currently $BTC, $ETH, $XRP(L), $EOS, $XLM, $IOTA, $DAG, #Corda, #Hyperledger, #Qurorum. $QNT is one of very few tokens that are needed even in a Permissioned Enterprise environment.
39/ Sustainable Business Model - Earning revenue (on track for $10 million last year), moving into an office twice the size in the UK and currently hiring 6 additional employees and expanding to other parts of the world despite the uncertainty many are facing.
40/ is needed for licenses, consumption fees, gateways (staking for higher throughput), signing of messages on #Overledger, minimum holdings of QNT.will be locked up reducing circulating supply so not just bought then immediately sold and needed by all inc enterprises
41/ Provides what all projects need - true scalable #interoperability not just between blockchains but legacy systems as well. With no added overhead of an additional consensus mechanism, doesn't impose restrictions or require connected chains to fork their code. Anybody can join
https://preview.redd.it/eq11fnjqwz751.png?width=679&format=png&auto=webp&s=3079aafd7c0717c878b10edf5819cee6d428e13e
43/ For Tokenomics see @quant_network's Utility Paper https://bit.ly/2xc25mA and @DavidW___'s article https://medium.com/@davW/a-deeper-look-into-the-quant-network-utility-token-qnt-valuation-dynamics-and-fundamentals-84633ca7cb58
https://twitter.com/CryptoSeq/status/1277555274405068801
https://threadreaderapp.com/thread/1277555274405068801.html

Can the early success of major crypto exchanges propel them to winning the broader consumer finance market?
https://reddit.com/link/i48t4q/video/v4eo10gom7f51/player
This is the first part of Crypto Banking Wars — a new series that examines what crypto-native company is most likely to become the bank of the future. Who is best positioned to reach mainstream adoption in consumer finance?
While crypto allows the world to get rid of banks, a bank will still very much be necessary for this powerful technology to reach the masses. We believe a crypto-native company, like Genesis Block, will become the bank of the future.
In an earlier series, Crypto-Powered, we laid out arguments for why crypto-native companies have a huge edge in the market. When you consider both the broad spectrum of financial use-cases and the enormous value unlocked through these DeFi protocols, you can see just how big of an unfair advantage blockchain tech becomes for companies who truly understand and leverage it. Traditional banks and fintech unicorns simply won’t be able to keep up.

The power players of consumer finance in the 21st century will be crypto-native companies who build with blockchain technology at their core.

The crypto landscape is still nascent. We’re still very much in the fragmented, unbundled phase of the industry lifecycle. Beyond what Genesis Block is doing, there are signs of other companies slowly starting to bundle financial services into what could be an all-in-one bank replacement.
So the key question that this series hopes to answer:

Which crypto-native company will successfully become the bank of the future?

We obviously think Genesis Block is well-positioned to win. But we certainly aren’t the only game in town. In this series, we’ll be doing an analysis of who is most capable of thwarting our efforts. We’ll look at categories like crypto exchanges, crypto wallets, centralized lending & borrowing services, and crypto debit card companies. Each category will have its own dedicated post.
Today we’re analyzing big crypto exchanges. The two companies we’ll focus on today are Coinbase (biggest American exchange) and Binance (biggest global exchange). They are the top two exchanges in terms of Bitcoin trading volume. They are in pole position to winning this market — they have a huge existing userbase and strong financial resources.
Will Coinbase or Binance become the bank of the future? Can their early success propel them to winning the broader consumer finance market? Is their growth too far ahead for anyone else to catch up? Let’s dive in.
https://preview.redd.it/lau4hevpm7f51.png?width=800&format=png&auto=webp&s=2c5de1ba497199f36aa194e5809bd86e5ab533d8

Binance

The most formidable exchange on the global stage is Binance (Crunchbase). All signs suggest they have significantly more users and a stronger balance sheet than Coinbase. No other exchange is executing as aggressively and relentlessly as Binance is. The cadence at which they are shipping and launching new products is nothing short of impressive. As Tushar Jain from Multicoin argues, Binance is Blitzscaling.
Here are some of the products that they’ve launched in the last 18 months. Only a few are announced but still pre-launch.

• Lending: earn interest on your deposits
• Debit Card: users can spend their crypto with a card (via Swipe acquisition)
• Fiat onramps: 300+ payment methods and supported in 170+ countries
• Options Trading: starting with mobile-only and Bitcoin
• Futures Trading: became top 2 in volume within 6 months
• Margin Trading: can get up to 5x leverage
• BUSD stablecoin: similar to USDC, PAX, and other USD-backed stablecoins
• Staking: easily earn interest on assets that have Proof of Stake chain
• Mining pool: allowing miners to easily transfer funds between various Binance services
• OTC Portal: over-the-counter trading desk for those who want to make bigger trades
• Peer-to-Peer trading: for onramps/offramps (i.e. user buying crypto with fiat)
• Launchpad: crypto startups can launch their tokens via IEO (Initial Exchange Offering)
• Binance Charity: recently donated a lot to covid19-related efforts
• Binance Chain: a new blockchain that powers their Binance Dex.
• Binance DEX: a decentralized exchange
• Binance Labs: the venture arm of Binance
• Smart Contracts on Binance Chain: could this be an Ethereum killer?

Binance is well-positioned to become the crypto-powered, all-in-one, bundled solution for financial services. They already have so many of the pieces. But the key question is:

Can they create a cohesive & united product experience?

Binance Weaknesses

Binance is strong, but they do have a few major weaknesses that could slow them down.

1. Traders & Speculators Binance is currently very geared for speculators, traders, and financial professionals. Their bread-and-butter is trading (spot, margin, options, futures). Their UI is littered with depth charts, order books, candlesticks, and other financial concepts that are beyond the reach of most normal consumers. Their product today is not at all tailored for the broader consumer market. Given Binance’s popularity and strength among the pro audience, it’s unlikely that they will dumb down or simplify their product any time soon. That would jeopardize their core business. Binance will likely need an entirely new product/brand to go beyond the pro user crowd. That will take time (or an acquisition). So the question remains, is Binance even interested in the broader consumer market? Or will they continue to focus on their core product, the one-stop-shop for pro crypto traders?
2. Controversies & Hot Water Binance has had a number of controversies. No one seems to know where they are based — so what regulatory agencies can hold them accountable? Last year, some sensitive, private user data got leaked. When they announced their debit card program, they had to remove mentions of Visa quickly after. And though the “police raid” story proved to be untrue, there are still a lot of questions about what happened with their Shanghai office shut down (where there is smoke, there is fire). If any company has had a “move fast and break things” attitude, it is Binance. That attitude has served them well so far but as they try to do business in more regulated countries like America, this will make their road much more difficult — especially in the consumer market where trust takes a long time to earn, but can be destroyed in an instant. This is perhaps why the Binance US product is an empty shell when compared to their main global product.
3. Disjointed Product Experience Because Binance has so many different teams launching so many different services, their core product is increasingly feeling disjointed and disconnected. Many of the new features are sloppily integrated with each other. There’s no cohesive product experience. This is one of the downsides of executing and shipping at their relentless pace. For example, users don’t have a single wallet that shows their balances. Depending on if the user wants to do spot trading, margin, futures, or savings… the user needs to constantly be transferring their assets from one wallet to another. It’s not a unified, frictionless, simple user experience. This is one major downside of the “move fast and break things” approach.
4. BNB token Binance raised $15M in a 2017 ICO by selling their $BNB token. The current market cap of $BNB is worth more than $2.6B. Financially this token has served them well. However, given how BNB works (for example, their token burn), there are a lot of open questions as to how BNB will be treated with US security laws. Their Binance US product so far is treading very lightly with its use of BNB. Their token could become a liability for Binance as it enters more regulated markets. Whether the crypto community likes it or not, until regulators get caught up and understand the power of decentralized technology, tokens will still be a regulatory burden — especially for anything that touches consumers.
5. Binance Chain & Smart Contract Platform Binance is launching its own smart contract platform soon. Based on compatibility choices, they have their sights aimed at the Ethereum developer community. It’s unclear how easy it’ll be to convince developers to move to Binance chain. Most of the current developer energy and momentum around smart contracts is with Ethereum. Because Binance now has their own horse in the race, it’s unlikely they will ever decide to leverage Ethereum’s DeFi protocols. This could likely be a major strategic mistake — and hubris that goes a step too far. Binance will be pushing and promoting protocols on their own platform. The major risk of being all-in on their own platform is that they miss having a seat on the Ethereum rocket ship — specifically the growth of DeFi use-cases and the enormous value that can be unlocked. Integrating with Ethereum’s protocols would be either admitting defeat of their own platform or competing directly against themselves.

Binance Wrap Up

I don’t believe Binance is likely to succeed with a homegrown product aimed at the consumer finance market. Their current product — which is focused heavily on professional traders and speculators — is unlikely to become the bank of the future. If they wanted to enter the broader consumer market, I believe it’s much more likely that they will acquire a company that is getting early traction. They are not afraid to make acquisitions (Trust, JEX, WazirX, DappReview, BxB, CoinMarketCap, Swipe).
However, never count CZ out. He is a hustler. Binance is executing so aggressively and relentlessly that they will always be on the shortlist of major contenders.
https://preview.redd.it/mxmlg1zqm7f51.png?width=800&format=png&auto=webp&s=2d900dd5ff7f3b00df5fe5a48305d57ebeffaa9a

Coinbase

The crypto-native company that I believe is more likely to become the bank of the future is Coinbase (crunchbase). Their dominance in America could serve as a springboard to winning the West (Binance has a stronger foothold in Asia). Coinbase has more than 30M users. Their exchange business is a money-printing machine. They have a solid reputation as it relates to compliance and working with regulators. Their CEO is a longtime member of the crypto community. They are rumored to be going public soon.

Coinbase Strengths

Let’s look at what makes them strong and a likely contender for winning the broader consumer finance market.

1. Different Audience, Different Experience Coinbase has been smart to create a unique product experience for each audience — the pro speculator crowd and the common retail user. Their simple consumer version is at Coinbase.com. That’s the default. Their product for the more sophisticated traders and speculators is at Coinbase Pro (formerly GDAX). Unlike Binance, Coinbase can slowly build out the bank of the future for the broad consumer market while still having a home for their hardcore crypto traders. They aren’t afraid to have different experiences for different audiences.
2. Brand & Design Coinbase has a strong product design team. Their brand is capable of going beyond the male-dominated crypto audience. Their product is clean and simple — much more consumer-friendly than Binance. It’s clear they spend a lot of time thinking about their user experience. Interacting directly with crypto can sometimes be rough and raw (especially for n00bs). When I was at Mainframe we hosted a panel about Crypto UX challenges at the DevCon4 Dapp Awards. Connie Yang (Head of Design at Coinbase) was on the panel. She was impressive. Some of their design philosophies will bode well as they push to reach the broader consumer finance market.
3. USDC Stablecoin Coinbase (along with Circle) launched USDC. We’ve shared some stats about its impressive growth when we discussed DeFi use-cases. USDC is quickly becoming integrated with most DeFi protocols. As a result, Coinbase is getting a front-row seat at some of the most exciting things happening in decentralized finance. As Coinbase builds its knowledge and networks around these protocols, it could put them in a favorable position to unlock incredible value for their users.
4. Early Signs of Bundling Though Coinbase has nowhere near as many products & services as Binance, they are slowly starting to add more financial services that may appeal to the broader market. They are now letting depositors earn interest on USDC (also DAI & Tezos). In the UK they are piloting a debit card. Users can now invest in crypto with dollar-cost-averaging. It’s not much, but it’s a start. You can start to see hints of a more bundled solution around financial services.

Coinbase Weaknesses

Let’s now look at some things that could hold them back.

1. Slow Cadence In the fast-paced world of crypto, and especially when compared to Binance, Coinbase does not ship very many new products very often. This is perhaps their greatest weakness. Smaller, more nimble startups may run circles around them. They were smart to launch Coinbase Ventures where tey invest in early-stage startups. They can now keep an ear to the ground on innovation. Perhaps their cadence is normal for a company of their size — but the Binance pace creates quite the contrast.
2. Lack of Innovation When you consider the previous point (slow cadence), it’s unclear if Coinbase is capable of building and launching new products that are built internally. Most of their new products have come through acquisitions. Their Earn.com acquisition is what led to their Earn educational product. Their acquisition of Xapo helped bolster their institutional custody offering. They acqui-hired a team to help launch their staking infrastructure. Their acquisition of Cipher Browser became an important part of Coinbase Wallet. And recently, they acquired Tagomi — a crypto prime brokerage. Perhaps most of Coinbase’s team is just focused on improving their golden goose, their exchange business. It’s unclear. But the jury is still out on if they can successfully innovate internally and launch any homegrown products.
3. Talent Exodus There have been numerous reports of executive turmoil at Coinbase. It raises a lot of questions about company culture and vision. Some of the executives who departed include COO Asiff Hirji, CTO Balaji Srinivasan, VP & GM Adam White, VP Eng Tim Wagner, VP Product Jeremy Henrickson, Sr Dir of Eng Namrata Ganatra, VP of Intl Biz Dan Romero, Dir of Inst Sales Christine Sandler, Head of Trading Hunter Merghart, Dir Data Science Soups Ranjan, Policy Lead Mike Lempres, Sr Compliance Vaishali Mehta. Many of these folks didn’t stay with Coinbase very long. We don’t know exactly why it’s happening —but when you consider a few of my first points (slow cadence, lack of innovation), you have to wonder if it’s all related.
4. Institutional Focus As a company, we are a Coinbase client. We love their institutional offering. It’s clear they’ve been investing a lot in this area. A recent Coinbase blog post made it clear that this has been a focus: “Over the past 12 months, Coinbase has been laser-focused on building out the types of features and services that our institutional customers need.” Their Tagomi acquisition only re-enforced this focus. Perhaps this is why their consumer product has felt so neglected. They’ve been heavily investing in their institutional services since May 2018. For a company that’s getting very close to an IPO, it makes sense that they’d focus on areas that present strong revenue opportunities — as they do with institutional clients. Even for big companies like Coinbase, it’s hard to have a split focus. If they are “laser-focused” on the institutional audience, it’s unlikely they’ll be launching any major consumer products anytime soon.

Coinbase Wrap Up

At Genesis Block, we‘re proud to be working with Coinbase. They are a fantastic company. However, I don’t believe that they’ll succeed in building their own product for the broader consumer finance market. While they have incredible design, there are no signs that they are focused on or capable of internally building this type of product.
Similar to Binance, I think it’s far more likely that Coinbase acquires a promising young startup with strong growth.

Honorable Mentions

Other US-based exchanges worth mentioning are Kraken, Gemini, and Bittrex. So far we’ve seen very few signs that any of them will aggressively attack broader consumer finance. Most are going in the way of Binance — listing more assets and adding more pro tools like margin and futures trading. And many, like Coinbase, are trying to attract more institutional customers. For example, Gemini with their custody product.

Wrap Up

Coinbase and Binance have huge war chests and massive reach. For that alone, they should always be considered threats to Genesis Block. However, their products are very, very different than the product we’re building. And their approach is very different as well. They are trying to educate and onboard people into crypto. At Genesis Block, we believe the masses shouldn’t need to know or care about it. We did an entire series about this, Spreading Crypto.
Most everyone needs banking — whether it be to borrow, spend, invest, earn interest, etc. Not everyone needs a crypto exchange. For non-crypto consumers (the mass market), the differences between a bank and a crypto exchange are immense. Companies like Binance and Coinbase make a lot of money on their crypto exchange business. It would be really difficult, gutsy, and risky for any of them to completely change their narrative, messaging, and product to focus on the broader consumer market. I don’t believe they would ever risk biting the hand that feeds them.
In summary, as it relates to a digital bank aimed at the mass market, I believe both Coinbase and Binance are much more likely to acquire a startup in this space than they are to build it themselves. And I think they would want to keep the brand/product distinct and separate from their core crypto exchange business.
So back to the original question, is Coinbase and Binance a threat to Genesis Block? Not really. Not today. But they could be, and for that, we want to stay close to them.
------
Other Ways to Consume Today's Episode:

• Read on Medium: https://medium.com/genesisblock/crypto-banking-wars-will-coinbase-or-binance-become-the-bank-of-the-future-eb31bcf02b02
• Watch on YouTube: https://youtu.be/0csY1j0FuEk
• Listen on SoundCloud: https://soundcloud.com/genesisblock/13-crypto-banking-wars-will-coinbase-or-binance-become-the-bank-of-the-future/
• Listen via Podcast (Spotify, Apple Podcasts, etc): https://anchor.fm/genesis-block/episodes/13-Crypto-Banking-Wars---Will-Coinbase-or-Binance-Become-the-Bank-of-the-Future-ehmrmo

Follow our social channels: https://genesisblock.com/follow/
Download the app. We're a digital bank that's powered by crypto: https://genesisblock.com/download

Hello everyone! There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Stocks

• Webull: 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account and making a $100 deposit.
  • https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
• Public: 1 free stock worth up to $50 just for opening an account, no deposit required.
  • Open this link from your phone: http://share.public.com/rayruiu
• FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) simply for opening an account. No deposit required.
  • https://share.firstrade.com/MilaAQOK
• Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but you can then withdraw that too).
  • https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
• TradeUP: 1 free stock worth $2.50-250 just for opening an account, and an optional second stock worth $8-$1000 for making a $100 deposit from any source.
  • https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
• Robinhood: 1 free stock worth $2.50- $200 for opening an account. No deposit required.
  • https://invite.robinhood.com/amadeor3/
• Acorns: $5 for $5 deposit from any source (additional steps required, please see below details).
  • https://www.acorns.com/invite/TLBCPD/
• Moomoo: 1 free stock worth $10-$1000 for making a $500 deposit.
  • https://j.moomoo.com/000LR3
• M1 Finance: $10 for opening a brokerage account and making a $100 deposit.
  • https://m1.finance/J6aLCt6SRGdW
• Round: $20 for opening a brokerage account and making a $500 deposit. Alternatively, you can make $100 for doing a $10,000 deposit (iOS only)
  • https://app.investround.com/inviteCode/amadeo-r360s0
• SoFi Invest: $50 for $1000 deposit from any source, and $25 worth of bitcoin for buying $10 worth of bitcoin on SoFi Crypto.
  • https://www.sofi.com/share/invest/2498539
• E*Trade: $25 for $5000 deposit from any source (additional bonuses available for larger deposits)
  • https://refer.etrade.net/amadeoruiu3

Banks

• Chime: $50 for $200 direct deposit (can easily get around direct deposit requirement, please see details below).
  • https://chime.com/milazadrozny
• Aspiration: $50 for spending $250 with their debit card within 3 months.
  • https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
• Stash: $20 for $5 deposit from any source.
  • https://get.stashinvest.com/amadeowpr10
• SoFi Money: $25 for depositing $500 from any source.
  • https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
• Qapital: $25 for making a $20 deposit from any source (additional steps required, please see below details).
  • https://get.qapital.com/SGjU8VhoM4
• SkyOne: $50 for opening an account and keeping the account open for 30 days. (additional steps required, please see below details).
  • https://refer.skyone.org/amadeoruiu3
• Juno: $25 for opening a checking account and making a $1000 deposit, once the product officially launches.
  • https://bankonjuno.com/referral/AMADjJsl
• Premier Members Credit Union: $50 for opening a money market account and making a $5 deposit + $5 donation.
  • https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
• Santander: $50 for opening a checking account (Simply Right® Checking, Santander Premier Plus Checking, Santander Basic Checking, or Student Value Checking) and making a $250 direct deposit within 60 days (NH, MA, RI, CT, DE, NY, NJ & PA only.)
  • https://santander.extole.io/s/rayruiu1959
• N26: $10 for opening an account and making a purchase of $10 or more using their debit card.
  • https://n26.com/amadeor4364

Cryptocurrency

• Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
  • IOS: https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
  • Android: https://play.google.com/store/apps/details?id=com.investvoyager
• Donut: (iOS Only)Free $10 for depositing $10. Use referral tag "annprod” when promoted during account signup". Open this link from mobile:
  • IOS: https://donut.app.link/annprod/i/CVx0dbRMR
• Gemini: Free $10 worth of Bitcoin for trading $100.
  • Account Signup: https://gemini.com/share/rllzke26
• Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off the wait-list)
  • Coinbase: https://www.coinbase.com/join/ruiu_8
  • Orchid: https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards

• Chase Freedom: Free $200 for signing up for a Chase Freedom Unlimited credit card and spending $500 within 3 months.
  • https://www.referyourchasecard.com/2f/ONLMEFPEFJ
• Discover IT: Free $50 for signing up for a Discover IT credit card and making ANY purchase within 3 months (even $1).
  • https://refer.discover.com/s/hhti4m

Other

• Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
  • https://rootbonus.com/AmadeoRuiu
• SoFi Loans: Free $300 for refinancing a student loan or taking a personal loan.
  • www.sofi.com/share/2498539?src=copy

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account via a referral link and making a $100 deposit.
Acorns is available on iOS and Android, or you can use their website.
I would be grateful if you used my referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required.
Public is available on iOS or Android only.
referral link- http://share.public.com/rayruiu

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required.
FirstTrade is available on iOS or Android only.
referral link- https://share.firstrade.com/MilaAQOK

Dough

Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too, so this is a fairly easy requirement to fulfill).
Dough is available for iOS or Android only.
referral link- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila

TradeUp

TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No initial deposit is required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
TradeUp is available for iOS or Android only.
referral link- https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Robinhood is available on iOS and Android, or you can use their website.
referral link- https://invite.robinhood.com/amadeor3/

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until August 15th, 2020. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
referral link- https://www.acorns.com/invite/TLBCPD/

Moomoo

Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit.
Moomoo is available on iOS or Android only.
referral link- https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. It includes zero commission trading, and has a popular subreddit community behind it! If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $10 bonus that posts to the account within 14 days.
M1 Finance is available on iOS or Android only.
referral link- https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
referral link- https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details below), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
SoFi Invest is available on iOS or Android only
referral link- https://www.sofi.com/share/invest/2498539

E*Trade

E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit, on a tiered basis-

Reward	Deposit Amount
$25	$5,000–$9,999
$50	$10,000-$24,999
$200	$25,000–$99,999
$300	$100,000–$249,999
$600	$250,000–$499,999
$1,200	$500,000–$999,999
$2,500	$1,000,000+

referral link- https://refer.etrade.net/amadeoruiu3

Banks-

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from CASH APP! So you could deposit 200 into cash app, then withdraw that 200 into chime and get the $50 bonus!
If you don't have cash app, you can also transfer in $200 from the following banks to fulfill the same requirements-
Ally, Charles Schwab, Chase, Circle Pay App, Discover, Hancock Whitney, Huntington, PNC, Serve, TD Bank, USAA, US Bank, Wells Fargo.
referral link- https://chime.com/milazadrozny

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250
So all you have to do is open a “Spend & Save” account using a referral link, spend $250 using their debit card within 3 months, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
referral link- https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
referral link- https://get.stashinvest.com/amadeowpr10

SoFi Money

SoFi is a bank/app that give out $25 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
And you can close the account at any time with no fees or consequences-
I would be grateful if you used my referral link- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Qapital

Qapital is a banking app (iOS/Android) which pays you a $25 bonus for making a $20 deposit from any source. You need to set up a savings goal and a rule to automatically transfer funds to your Qapital savings account (One easy option would be to set up a $5 weekly transfer, so you can quickly qualify for the bonus). They have a monthly membership payment fee(Qapital Basic is $3/month; Qapital Complete is $6/month; and Qapital Master is $12/month.) which is waived for the first month. I would recommend you go for the Qapital Basic plan, as it has the lowest fee at $3 per month.
If you keep your account open for 45 days, maintain a $20 account balance, and make 1 membership payment (the $3 monthly fee), they will credit you with a $20 account bonus. You can then immediately close the account and take your deposit + the bonus out with no additional charges. Even after the fee, that's $17 in free money.
referral link- https://get.qapital.com/SGjU8VhoM4

SkyOne

SkyOne is a credit union which will pay you a $50 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Juno

Juno is a banking app is that is giving out a free $25 for anyone who signs up for for a checking account using a referral link and makes a $1000 deposit once the product officially launches. So all you have to do is open an account with a referral link, wait for the product to officially launch, make a $1000 deposit, and then get your $25 bonus! You can then instantly collect the bonus and then take it all back.
And you can cancel the account at any time with no fees or consequences-
https://bankonjuno.com/referral/AMADjJsl

Premier Members Credit Union

Premier Members Credit Union is another credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
They will prompt you to indicate if you were referred by someone early in the application, enter my referral code at that step- VFVJEVQQQ.
I would be grateful if you used my referral link (but please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Santander

Santander is a bank which will pay you a $50 digital Visa Prepaid Card for opening a Simply Right® Checking, Santander Premier Plus Checking, Santander Basic Checking, or Student Value Checking account via a referral link and making a $250 direct deposit within 60 days.
A "direct deposit" technically means that they want you to deposit the money right from payroll, but you can actually meet this requirement simply by transferring in money from Venmo! Additionally, you can meet the requirements simply by transferring in from the following accounts-
Chase, Charles Schwabb, Fidelity, Wells Fargo.
referral link- https://santander.extole.io/s/rayruiu1959
Keep in mind that this offer is available for people in NH, MA, RI, CT, DE, NY, NJ & PA only

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $10 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $10+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit.
N26 is available on iOS or Android only.
referral link- https://n26.com/amadeor4364

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
I would be grateful if you used my referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Donut

Donut is a cryptocurrency investing app (iOS only) which will give you $10 for signing up using a referral link and depositing $10. The deposit is automatically invested in bitcoin. You can sell the bitcoin immediately to avoid any risk. They pay out almost instantly (it took me 5 minutes to get my bonus), and you can withdraw instantly.
So all you have to do is download the app using a referral link, enter my referral ID (@annprod) when prompted, deposit $10, and you should get your $10 bonus within minutes. You can then sell your bitcoin, withdraw your money + the bonus, and close the account fee free if you wish.
https://donut.app.link/annprod/i/CVx0dbRMR

Gemini

Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
So all you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
So all you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

SoFi Loans

SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan.
You should research the pros and cons of student loan refinancing before you consider this option, The basic rundown is that you can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will be based on your individual circumstances.
There's also the option of taking out a SoFi loan, if you were looking into taking out a loan soon anyway, might be worth considering.
www.sofi.com/share/2498539?src=copy
https://preview.redd.it/lomnvm3sqab51.jpg?width=760&format=pjpg&auto=webp&s=94bf2d7c9e16c685d501b1794e4f5ce6e05d46e6

[Today's Hot Tips]
1. [Fidelity Report: Bitcoin's scarcity is essential to prevent its actual value depreciation]
In the morning of July 30, Fidelity officially tweeted and published the first report in its Bitcoin investment thesis series "Bitcoin as an Ideal Store of Value System". The report pointed out that as the Bitcoin ecosystem matures, whether it is basic or incremental, Bitcoin may provide multiple functions at the same time. The beauty of Bitcoin is that its success is not based on serving a single purpose.
2. [MakerDAO plans to increase the debt ceiling of 4 tokens including ETH and USDC]
On the morning of July 30, MakerDAO officially announced that it had launched a series of executive votes to increase the debt ceiling of ETH, USDC, WBTC and BAT.
3. [The Federal Reserve keeps the benchmark interest rate unchanged at 0%-0.25%]
According to Jinshi news, the Fed Reserve will keep the benchmark interest rate unchanged at 0%-0.25%. In addition, the Federal Reserve FOMC stated that it will maintain the excess reserve ratio (IOER) at 0.1%.
[Today's market analysis]
Bitcoin (BTC)BTC fluctuated slightly in the early morning and rose to 11300 USDT for a short time, reaching a maximum of 11340 USDT. Then there was a slight correction. Just now, BTC has dropped significantly and fell below 11100 USDT in the short-term. At present, BTC has adjusted around 11100 USDT as a whole. Most mainstream currencies fluctuated within a narrow range in the early morning, and only XRP pulled back after a significant rise. BTC is currently reported at 11003.7 USDT on LOEx Global, a drop of -1.39% in 24h.
With the healthy rise of Bitcoin and the mainstream increase, the atmosphere of the bull market is getting stronger and stronger. Maybe everyone feels that the people around him are also starting to agitate. This time Bitcoin broke $11,000, and many people attribute it to a judge in the US court ruling Bitcoin as currency. In fact, to be honest, it is more reluctant and not easy to use Bitcoin as currency now.
In the short term, the increase is too rapid and too large, and there is a need for adjustment. Now, BTC has just entered the second day of adjustment, and its performance is very strong and healthy. However, it usually takes 3 days to "effectively stand firm". Therefore, continue to observe its performance in the past two days to determine its later rising speed.
BTC has just effectively broken through $10,000, and the upside is opened. The next target position will rise by 14,000 US dollars. In terms of trading volume, the volume has been significantly increased in the past two weeks, which is very healthy. From the MACD point of view, the relatively low position helped the rise. It is too early to judge whether BTC will directly "continuously rise" to reach the short-term peak, or whether it will rise and adjust.
Operation suggestions:
Support level: the first support level is 10000 points, the second support level is 9800 integers;
Resistance level: the first resistance level is 11000 points, the second resistance level is 11500 points.
LOEx is registered in Seychelles. It is a global one-stop digital asset service platform with business distribution nodes in 20 regions around the world. It has been exempted from Seychelles and Singapore Monetary Authority (MAS) digital currency trading services. Provide services and secure encrypted digital currency trading environment for 2 million community members in 24 hours.
https://preview.redd.it/6ln1avs82yd51.png?width=609&format=png&auto=webp&s=c0412926d02b79f447f0a960a3918544c9e56586

Hello everyone! There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Stocks

• Webull: 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account and making a $100 deposit.
  • https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
• Public: 1 free stock worth up to $50 just for opening an account, no deposit required.
  • Open this link from your phone: http://share.public.com/rayruiu
• FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) simply for opening an account. No deposit required.
  • https://share.firstrade.com/MilaAQOK
• Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but you can then withdraw that too).
  • https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
• TradeUP: 1 free stock worth $2.50-250 just for opening an account, and an optional second stock worth $8-$1000 for making a $100 deposit from any source.
  • https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
• Robinhood: 1 free stock worth $2.50- $200 for opening an account. No deposit required.
  • https://invite.robinhood.com/amadeor3/
• Acorns: $5 for $5 deposit from any source (additional steps required, please see below details).
  • https://www.acorns.com/invite/TLBCPD/
• Moomoo: 1 free stock worth $10-$1000 for making a $500 deposit.
  • https://j.moomoo.com/000LR3
• M1 Finance: $10 for opening a brokerage account and making a $100 deposit.
  • https://m1.finance/J6aLCt6SRGdW
• Round: $20 for opening a brokerage account and making a $500 deposit. Alternatively, you can make $100 for doing a $10,000 deposit (iOS only)
  • https://app.investround.com/inviteCode/amadeo-r360s0
• SoFi Invest: $50 for $1000 deposit from any source, and $25 worth of bitcoin for buying $10 worth of bitcoin on SoFi Crypto.
  • https://www.sofi.com/share/invest/2498539
• E*Trade: $25 for $5000 deposit from any source (additional bonuses available for larger deposits)
  • https://refer.etrade.net/amadeoruiu3

Banks

• Chime: $50 for $200 direct deposit (can easily get around direct deposit requirement, please see details below).
  • https://chime.com/milazadrozny
• Aspiration: $50 for spending $250 with their debit card within 3 months.
  • https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
• Stash: $20 for $5 deposit from any source.
  • https://get.stashinvest.com/amadeowpr10
• SoFi Money: $25 for depositing $500 from any source.
  • https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
• Qapital: $25 for making a $20 deposit from any source (additional steps required, please see below details).
  • https://get.qapital.com/SGjU8VhoM4
• SkyOne: $50 for opening an account and keeping the account open for 30 days. (additional steps required, please see below details).
  • https://refer.skyone.org/amadeoruiu3
• Juno: $25 for opening a checking account and making a $1000 deposit, once the product officially launches.
  • https://bankonjuno.com/referral/AMADjJsl
• Premier Members Credit Union: $50 for opening a money market account and making a $5 deposit + $5 donation.
  • https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
• Santander: $50 for opening a checking account (Simply Right® Checking, Santander Premier Plus Checking, Santander Basic Checking, or Student Value Checking) and making a $250 direct deposit within 60 days (NH, MA, RI, CT, DE, NY, NJ & PA only.)
  • https://santander.extole.io/s/rayruiu1959
• N26: $10 for opening an account and making a purchase of $10 or more using their debit card.
  • https://n26.com/amadeor4364

Cryptocurrency

• Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
  • IOS: https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
  • Android: https://play.google.com/store/apps/details?id=com.investvoyager
• Donut: (iOS Only)Free $10 for depositing $10. Use referral tag "annprod” when promoted during account signup". Open this link from mobile:
  • IOS: https://donut.app.link/annprod/i/CVx0dbRMR
• Gemini: Free $10 worth of Bitcoin for trading $100.
  • Account Signup: https://gemini.com/share/rllzke26
• Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off the wait-list)
  • Coinbase: https://www.coinbase.com/join/ruiu_8
  • Orchid: https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards

• Chase Freedom: Free $200 for signing up for a Chase Freedom Unlimited credit card and spending $500 within 3 months.
  • https://www.referyourchasecard.com/2f/ONLMEFPEFJ
• Discover IT: Free $50 for signing up for a Discover IT credit card and making ANY purchase within 3 months (even $1).
  • https://refer.discover.com/s/hhti4m

Other

• Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
  • https://rootbonus.com/AmadeoRuiu
• SoFi Loans: Free $300 for refinancing a student loan or taking a personal loan.
  • www.sofi.com/share/2498539?src=copy

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account via a referral link and making a $100 deposit.
Acorns is available on iOS and Android, or you can use their website.
I would be grateful if you used my referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required.
Public is available on iOS or Android only.
referral link- http://share.public.com/rayruiu

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required.
FirstTrade is available on iOS or Android only.
referral link- https://share.firstrade.com/MilaAQOK

Dough

Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too, so this is a fairly easy requirement to fulfill).
Dough is available for iOS or Android only.
referral link- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila

TradeUp

TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No initial deposit is required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
TradeUp is available for iOS or Android only.
referral link- https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Robinhood is available on iOS and Android, or you can use their website.
referral link- https://invite.robinhood.com/amadeor3/

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until August 15th, 2020. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
referral link- https://www.acorns.com/invite/TLBCPD/

Moomoo

Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit.
Moomoo is available on iOS or Android only.
referral link- https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. It includes zero commission trading, and has a popular subreddit community behind it! If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $10 bonus that posts to the account within 14 days.
M1 Finance is available on iOS or Android only.
referral link- https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
referral link- https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details below), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
SoFi Invest is available on iOS or Android only
referral link- https://www.sofi.com/share/invest/2498539

E*Trade

E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit, on a tiered basis-

Reward	Deposit Amount
$25	$5,000–$9,999
$50	$10,000-$24,999
$200	$25,000–$99,999
$300	$100,000–$249,999
$600	$250,000–$499,999
$1,200	$500,000–$999,999
$2,500	$1,000,000+

referral link- https://refer.etrade.net/amadeoruiu3

Banks-

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from CASH APP! So you could deposit 200 into cash app, then withdraw that 200 into chime and get the $50 bonus!
If you don't have cash app, you can also transfer in $200 from the following banks to fulfill the same requirements-
Ally, Charles Schwab, Chase, Circle Pay App, Discover, Hancock Whitney, Huntington, PNC, Serve, TD Bank, USAA, US Bank, Wells Fargo.
referral link- https://chime.com/milazadrozny

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250
So all you have to do is open a “Spend & Save” account using a referral link, spend $250 using their debit card within 3 months, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
referral link- https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
referral link- https://get.stashinvest.com/amadeowpr10

SoFi Money

SoFi is a bank/app that give out $25 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
And you can close the account at any time with no fees or consequences-
I would be grateful if you used my referral link- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Qapital

Qapital is a banking app (iOS/Android) which pays you a $25 bonus for making a $20 deposit from any source. You need to set up a savings goal and a rule to automatically transfer funds to your Qapital savings account (One easy option would be to set up a $5 weekly transfer, so you can quickly qualify for the bonus). They have a monthly membership payment fee(Qapital Basic is $3/month; Qapital Complete is $6/month; and Qapital Master is $12/month.) which is waived for the first month. I would recommend you go for the Qapital Basic plan, as it has the lowest fee at $3 per month.
If you keep your account open for 45 days, maintain a $20 account balance, and make 1 membership payment (the $3 monthly fee), they will credit you with a $20 account bonus. You can then immediately close the account and take your deposit + the bonus out with no additional charges. Even after the fee, that's $17 in free money.
referral link- https://get.qapital.com/SGjU8VhoM4

SkyOne

SkyOne is a credit union which will pay you a $50 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Juno

Juno is a banking app is that is giving out a free $25 for anyone who signs up for for a checking account using a referral link and makes a $1000 deposit once the product officially launches. So all you have to do is open an account with a referral link, wait for the product to officially launch, make a $1000 deposit, and then get your $25 bonus! You can then instantly collect the bonus and then take it all back.
And you can cancel the account at any time with no fees or consequences-
https://bankonjuno.com/referral/AMADjJsl

Premier Members Credit Union

Premier Members Credit Union is another credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
They will prompt you to indicate if you were referred by someone early in the application, enter my referral code at that step- VFVJEVQQQ.
I would be grateful if you used my referral link (but please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Santander

Santander is a bank which will pay you a $50 digital Visa Prepaid Card for opening a Simply Right® Checking, Santander Premier Plus Checking, Santander Basic Checking, or Student Value Checking account via a referral link and making a $250 direct deposit within 60 days.
A "direct deposit" technically means that they want you to deposit the money right from payroll, but you can actually meet this requirement simply by transferring in money from Venmo! Additionally, you can meet the requirements simply by transferring in from the following accounts-
Chase, Charles Schwabb, Fidelity, Wells Fargo.
referral link- https://santander.extole.io/s/rayruiu1959
Keep in mind that this offer is available for people in NH, MA, RI, CT, DE, NY, NJ & PA only

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $10 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $10+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit.
N26 is available on iOS or Android only.
referral link- https://n26.com/amadeor4364

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
I would be grateful if you used my referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Donut

Donut is a cryptocurrency investing app (iOS only) which will give you $10 for signing up using a referral link and depositing $10. The deposit is automatically invested in bitcoin. You can sell the bitcoin immediately to avoid any risk. They pay out almost instantly (it took me 5 minutes to get my bonus), and you can withdraw instantly.
So all you have to do is download the app using a referral link, enter my referral ID (@annprod) when prompted, deposit $10, and you should get your $10 bonus within minutes. You can then sell your bitcoin, withdraw your money + the bonus, and close the account fee free if you wish.
https://donut.app.link/annprod/i/CVx0dbRMR

Gemini

Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
So all you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
So all you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

SoFi Loans

SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan.
You should research the pros and cons of student loan refinancing before you consider this option, The basic rundown is that you can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will be based on your individual circumstances.
There's also the option of taking out a SoFi loan, if you were looking into taking out a loan soon anyway, might be worth considering.
www.sofi.com/share/2498539?src=copy
https://preview.redd.it/axc4wic7owa51.jpg?width=760&format=pjpg&auto=webp&s=9cb21b35a4617b3bb311a42218f62107072abaf6

Hello everyone! There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Stocks

• Webull: 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account and making a $100 deposit.
  • https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
• Public: 1 free stock worth up to $50 just for opening an account, no deposit required.
  • Open this link from your phone: http://share.public.com/rayruiu
• FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) simply for opening an account. No deposit required.
  • https://share.firstrade.com/MilaAQOK
• Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but can then withdraw that too).
  • https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
• TradeUP: 1 free stock worth $2.50-250 just for opening an account, and an optional second stock worth $8-$1000 for making a $100 deposit from any source.
  • https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
• Robinhood: 1 free stock worth $2.50- $200 for opening an account. No deposit required.
  • https://invite.robinhood.com/amadeor3/
• Acorns: $5 for $5 deposit from any source (additional steps required, please see below details).
  • https://www.acorns.com/invite/TLBCPD/
• Moomoo: 1 free stock worth $10-$1000 for making a $500 deposit.
  • https://j.moomoo.com/000LR3
• M1 Finance: $10 for opening a brokerage account and making a $100 deposit.
  • https://m1.finance/J6aLCt6SRGdW
• Round: $20 for opening a brokerage account and making a $500 deposit. Alternatively, you can make $100 for doing a $10,000 deposit (iOS only)
  • https://app.investround.com/inviteCode/amadeo-r360s0
• SoFi Invest: $50 for $1000 deposit from any source, and $25 worth of bitcoin for buying $10 worth of bitcoin on SoFi Crypto.
  • https://www.sofi.com/share/invest/2498539
• E*Trade: $25 for $5000 deposit from any source (additional bonuses available for larger deposits)
  • https://refer.etrade.net/amadeoruiu3

Banks

• Chime: $50 for $200 direct deposit (can easily get around direct deposit requirement, please see details below).
  • https://chime.com/milazadrozny
• Aspiration: $50 for spending $250 with their debit card within 3 months.
  • https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
• Stash: $20 for $5 deposit from any source.
  • https://get.stashinvest.com/amadeowpr10
• SoFi Money: $25 for depositing $500 from any source.
  • https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
• Qapital: $25 for making a $20 deposit from any source (additional steps required, please see below details).
  • https://get.qapital.com/SGjU8VhoM4
• SkyOne: $50 for opening an account and keeping the account open for 30 days. (additional steps required, please see below details).
  • https://refer.skyone.org/amadeoruiu3
• Juno: $25 for opening a checking account and making a $1000 deposit, once the product officially launches.
  • https://bankonjuno.com/referral/AMADjJsl
• Premier Members Credit Union: $50 for opening a money market account and making a $5 deposit + $5 donation.
  • https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
• Santander: $50 for opening a checking account (Simply Right® Checking, Santander Premier Plus Checking, Santander Basic Checking, or Student Value Checking) and making a $250 direct deposit within 60 days (NH, MA, RI, CT, DE, NY, NJ & PA only.)
  • https://santander.extole.io/s/rayruiu1959

Cryptocurrency

• Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
  • IOS: https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
  • Android: https://play.google.com/store/apps/details?id=com.investvoyager
• Donut: (iOS Only)Free $10 for depositing $10. Use referral tag "annprod” when promoted during account signup". Open this link from mobile:
  • IOS: https://donut.app.link/annprod/i/CVx0dbRMR
• Gemini: Free $10 worth of Bitcoin for trading $100.
  • Account Signup: https://gemini.com/share/rllzke26
• Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off the wait-list myself)
  • Coinbase: https://www.coinbase.com/join/ruiu_8
  • Orchid: https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards

• Chase Freedom: Free $200 for signing up for a Chase Freedom Unlimited credit card and spending $500 within 3 months.
  • https://www.referyourchasecard.com/2f/ONLMEFPEFJ
• Discover IT: Free $50 for signing up for a Discover IT credit card and making ANY purchase within 3 months (even $1).
  • https://refer.discover.com/s/hhti4m

Other

• Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote, but you can simply reject the offer and take the $25 bonus anyway).
  • https://rootbonus.com/AmadeoRuiu
• SoFi Loans: Free $300 for refinancing a student loan or taking a personal loan.
  • www.sofi.com/share/2498539?src=copy

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account via a referral link and making a $100 deposit.
Acorns is available on iOS and Android, or you can use their website.
I would be grateful if you used my referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required.
Public is available on iOS or Android only.
I would be grateful if you used my referral link- http://share.public.com/rayruiu

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required.
FirstTrade is available on iOS or Android only.
I would be grateful if you used my referral link- https://share.firstrade.com/MilaAQOK

Dough

Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too, so this is a fairly easy requirement to fulfill).
Dough is available for iOS or Android only.
I would be grateful if you used my referral link- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila

TradeUp

TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No initial deposit is required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
TradeUp is available for iOS or Android only.
I would be grateful if you used my referral link- https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Robinhood is available on iOS and Android, or you can use their website.
I would be grateful if you used my referral link- https://invite.robinhood.com/amadeor3/

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until August 15th, 2020. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
I would be grateful if you used my referral link- https://www.acorns.com/invite/TLBCPD/

Moomoo

Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit.
Moomoo is available on iOS or Android only.
I would be grateful if you used my referral link- https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. It includes zero commission trading, and has a popular subreddit community behind it! If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $10 bonus that posts to the account within 14 days.
M1 Finance is available on iOS or Android only.
I would be grateful if you used my referral link- https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
I would be grateful if you used my referral link- https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details below), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
SoFi Invest is available on iOS or Android only
I would be grateful if you used my referral link- https://www.sofi.com/share/invest/2498539

E*Trade

E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit, on a tiered basis-

Reward	Deposit Amount
$25	$5,000–$9,999
$50	$10,000-$24,999
$200	$25,000–$99,999
$300	$100,000–$249,999
$600	$250,000–$499,999
$1,200	$500,000–$999,999
$2,500	$1,000,000+

I would be grateful if you used my referral link- https://refer.etrade.net/amadeoruiu3

Banks-

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from CASH APP! So you could deposit 200 into cash app, then withdraw that 200 into chime and get the $50 bonus!
If you don't have cash app, you can also transfer in $200 from the following banks to fulfill the same requirements-
Ally, Charles Schwab, Chase, Circle Pay App, Discover, Hancock Whitney, Huntington, PNC, Serve, TD Bank, USAA, US Bank, Wells Fargo.
I would be grateful if you used my referral link- https://chime.com/milazadrozny

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250
So all you have to do is open a “Spend & Save” account using a referral link, spend $250 using their debit card within 3 months, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
I would be grateful if you used my referral link- https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
I would be grateful if you used my referral link- https://get.stashinvest.com/amadeowpr10

SoFi Money

SoFi is a bank/app that give out $25 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
And you can close the account at any time with no fees or consequences-
I would be grateful if you used my referral link- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Qapital

Qapital is a banking app (iOS/Android) which pays you a $25 bonus for making a $20 deposit from any source. You need to set up a savings goal and a rule to automatically transfer funds to your Qapital savings account (One easy option would be to set up a $5 weekly transfer, so you can quickly qualify for the bonus). They have a monthly membership payment fee(Qapital Basic is $3/month; Qapital Complete is $6/month; and Qapital Master is $12/month.) which is waived for the first month. I would recommend you go for the Qapital Basic plan, as it has the lowest fee at $3 per month.
If you keep your account open for 45 days, maintain a $20 account balance, and make 1 membership payment (the $3 monthly fee), they will credit you with a $20 account bonus. You can then immediately close the account and take your deposit + the bonus out with no additional charges. Even after the fee, that's $17 in free money.
I would be grateful if you used my referral link- https://get.qapital.com/SGjU8VhoM4

SkyOne

SkyOne is a credit union which will pay you a $50 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Juno

Juno is a banking app is that is giving out a free $25 for anyone who signs up for for a checking account using a referral link and makes a $1000 deposit once the product officially launches. So all you have to do is open an account with a referral link, wait for the product to officially launch, make a $1000 deposit, and then get your $25 bonus! You can then instantly collect the bonus and then take it all back.
And you can cancel the account at any time with no fees or consequences-
https://bankonjuno.com/referral/AMADjJsl

Premier Members Credit Union

Premier Members Credit Union is another credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, with no fees or penalties!
They will prompt you to indicate if you were referred by someone early in the application, enter my referral code at that step- VFVJEVQQQ.
I would be grateful if you used my referral link (but please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Santander

Santander is a bank which will pay you a $50 digital Visa Prepaid Card for opening a Simply Right® Checking, Santander Premier Plus Checking, Santander Basic Checking, or Student Value Checking account via a referral link and making a $250 direct deposit within 60 days.
A "direct deposit" technically means that they want you to deposit the money right from payroll, but you can actually meet this requirement simply by transferring in money from Venmo! Additionally, you can meet the requirements simply by transferring in from the following accounts-
Chase, Charles Schwabb, Fidelity, Wells Fargo.
I would be grateful if you used my referral link- https://santander.extole.io/s/rayruiu1959
Keep in mind that this offer is available for people in NH, MA, RI, CT, DE, NY, NJ & PA only

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
I would be grateful if you used my referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Donut

Donut is a cryptocurrency investing app (iOS only) which will give you $10 for signing up using a referral link and depositing $10. The deposit is automatically invested in bitcoin. You can sell the bitcoin immediately to avoid any risk. They pay out almost instantly (it took me 5 minutes to get my bonus), and you can withdraw instantly, making this a very quick and easy money maker.
They charge a small CC fee when depositing the $10, but its roughly 50 cents, so you can expect a profit of roughly $9.50 for only a few minutes of your time.
So all you have to do is download the app using a referral link, enter my referral ID (@annprod) when prompted, deposit $10, and you should get your $10 bonus within minutes. You can then sell your bitcoin, withdraw your money + the bonus, and close the account fee free if you wish.
https://donut.app.link/annprod/i/CVx0dbRMR

Gemini

Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency on the platform.
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! The bonus posts within a couple of days, from my experience.
I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry, relatively easy to pull off and with a very high bonus!
So all you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
So all you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time with no fees or penalties.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

SoFi Loans

SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan.
I would definitely recommend you research the pros and cons of student loan refinancing before you consider this option, I have personally considered doing it in the past and the basic rundown is that you can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will be based on your individual circumstances.
There's also the option of taking out a SoFi loan, if you were looking into taking out a loan soon anyway, might be worth considering.
www.sofi.com/share/2498539?src=copy
https://preview.redd.it/an099yyoh1b51.jpg?width=760&format=pjpg&auto=webp&s=938b84d26e04361d5fffbbdcfc4e067d763a69a6

Hello everyone! There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Stocks

• Webull: 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account and making a $100 deposit.
  • https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
• Public: 1 free stock worth up to $50 just for opening an account, no deposit required.
  • Open this link from your phone: http://share.public.com/rayruiu
• FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) simply for opening an account. No deposit required.
  • https://share.firstrade.com/MilaAQOK
• Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but you can then withdraw that too).
  • https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
• TradeUP: 1 free stock worth $2.50-250 just for opening an account, and an optional second stock worth $8-$1000 for making a $100 deposit from any source.
  • https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
• Robinhood: 1 free stock worth $2.50- $200 for opening an account. No deposit required.
  • https://invite.robinhood.com/amadeor3/
• Acorns: $5 for $5 deposit from any source (additional steps required, please see below details).
  • https://www.acorns.com/invite/TLBCPD/
• Moomoo: 1 free stock worth $10-$1000 for making a $500 deposit.
  • https://j.moomoo.com/000LR3
• M1 Finance: $10 for opening a brokerage account and making a $100 deposit.
  • https://m1.finance/J6aLCt6SRGdW
• Round: $20 for opening a brokerage account and making a $500 deposit. Alternatively, you can make $100 for doing a $10,000 deposit (iOS only)
  • https://app.investround.com/inviteCode/amadeo-r360s0
• SoFi Invest: $50 for $1000 deposit from any source, and $25 worth of bitcoin for buying $10 worth of bitcoin on SoFi Crypto.
  • https://www.sofi.com/share/invest/2498539
• E*Trade: $25 for $5000 deposit from any source (additional bonuses available for larger deposits)
  • https://refer.etrade.net/amadeoruiu3

Banks

• Chime: $50 for $200 direct deposit (can easily get around direct deposit requirement, please see details below).
  • https://chime.com/milazadrozny
• Aspiration: $50 for spending $250 with their debit card within 3 months.
  • https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
• Stash: $20 for $5 deposit from any source.
  • https://get.stashinvest.com/amadeowpr10
• SoFi Money: $25 for depositing $500 from any source.
  • https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
• Qapital: $25 for making a $20 deposit from any source (additional steps required, please see below details).
  • https://get.qapital.com/SGjU8VhoM4
• SkyOne: $50 for opening an account and keeping the account open for 30 days. (additional steps required, please see below details).
  • https://refer.skyone.org/amadeoruiu3
• Juno: $25 for opening a checking account and making a $1000 deposit, once the product officially launches.
  • https://bankonjuno.com/referral/AMADjJsl
• Premier Members Credit Union: $50 for opening a money market account and making a $5 deposit + $5 donation.
  • https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
• Santander: $50 for opening a checking account (Simply Right® Checking, Santander Premier Plus Checking, Santander Basic Checking, or Student Value Checking) and making a $250 direct deposit within 60 days (NH, MA, RI, CT, DE, NY, NJ & PA only.)
  • https://santander.extole.io/s/rayruiu1959
• N26: $10 for opening an account and making a purchase of $10 or more using their debit card.
  • https://n26.com/amadeor4364

Cryptocurrency

• Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
  • IOS: https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
  • Android: https://play.google.com/store/apps/details?id=com.investvoyager
• Donut: (iOS Only)Free $10 for depositing $10. Use referral tag "annprod” when promoted during account signup". Open this link from mobile:
  • IOS: https://donut.app.link/annprod/i/CVx0dbRMR
• Gemini: Free $10 worth of Bitcoin for trading $100.
  • Account Signup: https://gemini.com/share/rllzke26
• Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off the wait-list)
  • Coinbase: https://www.coinbase.com/join/ruiu_8
  • Orchid: https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards

• Chase Freedom: Free $200 for signing up for a Chase Freedom Unlimited credit card and spending $500 within 3 months.
  • https://www.referyourchasecard.com/2f/ONLMEFPEFJ
• Discover IT: Free $50 for signing up for a Discover IT credit card and making ANY purchase within 3 months (even $1).
  • https://refer.discover.com/s/hhti4m

Other

• Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
  • https://rootbonus.com/AmadeoRuiu
• SoFi Loans: Free $300 for refinancing a student loan or taking a personal loan.
  • www.sofi.com/share/2498539?src=copy

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account via a referral link and making a $100 deposit.
Acorns is available on iOS and Android, or you can use their website.
I would be grateful if you used my referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required.
Public is available on iOS or Android only.
referral link- http://share.public.com/rayruiu

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required.
FirstTrade is available on iOS or Android only.
referral link- https://share.firstrade.com/MilaAQOK

Dough

Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too, so this is a fairly easy requirement to fulfill).
Dough is available for iOS or Android only.
referral link- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila

TradeUp

TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No initial deposit is required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
TradeUp is available for iOS or Android only.
referral link- https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Robinhood is available on iOS and Android, or you can use their website.
referral link- https://invite.robinhood.com/amadeor3/

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until August 15th, 2020. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
referral link- https://www.acorns.com/invite/TLBCPD/

Moomoo

Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit.
Moomoo is available on iOS or Android only.
referral link- https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. It includes zero commission trading, and has a popular subreddit community behind it! If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $10 bonus that posts to the account within 14 days.
M1 Finance is available on iOS or Android only.
referral link- https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
referral link- https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details below), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
SoFi Invest is available on iOS or Android only
referral link- https://www.sofi.com/share/invest/2498539

E*Trade

E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit, on a tiered basis-

Reward	Deposit Amount
$25	$5,000–$9,999
$50	$10,000-$24,999
$200	$25,000–$99,999
$300	$100,000–$249,999
$600	$250,000–$499,999
$1,200	$500,000–$999,999
$2,500	$1,000,000+

referral link- https://refer.etrade.net/amadeoruiu3

Banks-

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from CASH APP! So you could deposit 200 into cash app, then withdraw that 200 into chime and get the $50 bonus!
If you don't have cash app, you can also transfer in $200 from the following banks to fulfill the same requirements-
Ally, Charles Schwab, Chase, Circle Pay App, Discover, Hancock Whitney, Huntington, PNC, Serve, TD Bank, USAA, US Bank, Wells Fargo.
referral link- https://chime.com/milazadrozny

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250
So all you have to do is open a “Spend & Save” account using a referral link, spend $250 using their debit card within 3 months, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
referral link- https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
referral link- https://get.stashinvest.com/amadeowpr10

SoFi Money

SoFi is a bank/app that give out $25 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
And you can close the account at any time with no fees or consequences-
I would be grateful if you used my referral link- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Qapital

Qapital is a banking app (iOS/Android) which pays you a $25 bonus for making a $20 deposit from any source. You need to set up a savings goal and a rule to automatically transfer funds to your Qapital savings account (One easy option would be to set up a $5 weekly transfer, so you can quickly qualify for the bonus). They have a monthly membership payment fee(Qapital Basic is $3/month; Qapital Complete is $6/month; and Qapital Master is $12/month.) which is waived for the first month. I would recommend you go for the Qapital Basic plan, as it has the lowest fee at $3 per month.
If you keep your account open for 45 days, maintain a $20 account balance, and make 1 membership payment (the $3 monthly fee), they will credit you with a $20 account bonus. You can then immediately close the account and take your deposit + the bonus out with no additional charges. Even after the fee, that's $17 in free money.
referral link- https://get.qapital.com/SGjU8VhoM4

SkyOne

SkyOne is a credit union which will pay you a $50 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Juno

Juno is a banking app is that is giving out a free $25 for anyone who signs up for for a checking account using a referral link and makes a $1000 deposit once the product officially launches. So all you have to do is open an account with a referral link, wait for the product to officially launch, make a $1000 deposit, and then get your $25 bonus! You can then instantly collect the bonus and then take it all back.
And you can cancel the account at any time with no fees or consequences-
https://bankonjuno.com/referral/AMADjJsl

Premier Members Credit Union

Premier Members Credit Union is another credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
They will prompt you to indicate if you were referred by someone early in the application, enter my referral code at that step- VFVJEVQQQ.
I would be grateful if you used my referral link (but please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Santander

Santander is a bank which will pay you a $50 digital Visa Prepaid Card for opening a Simply Right® Checking, Santander Premier Plus Checking, Santander Basic Checking, or Student Value Checking account via a referral link and making a $250 direct deposit within 60 days.
A "direct deposit" technically means that they want you to deposit the money right from payroll, but you can actually meet this requirement simply by transferring in money from Venmo! Additionally, you can meet the requirements simply by transferring in from the following accounts-
Chase, Charles Schwabb, Fidelity, Wells Fargo.
referral link- https://santander.extole.io/s/rayruiu1959
Keep in mind that this offer is available for people in NH, MA, RI, CT, DE, NY, NJ & PA only

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $10 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $10+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit.
N26 is available on iOS or Android only.
referral link- https://n26.com/amadeor4364

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
I would be grateful if you used my referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Donut

Donut is a cryptocurrency investing app (iOS only) which will give you $10 for signing up using a referral link and depositing $10. The deposit is automatically invested in bitcoin. You can sell the bitcoin immediately to avoid any risk. They pay out almost instantly (it took me 5 minutes to get my bonus), and you can withdraw instantly.
So all you have to do is download the app using a referral link, enter my referral ID (@annprod) when prompted, deposit $10, and you should get your $10 bonus within minutes. You can then sell your bitcoin, withdraw your money + the bonus, and close the account fee free if you wish.
https://donut.app.link/annprod/i/CVx0dbRMR

Gemini

Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
So all you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
So all you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

SoFi Loans

SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan.
You should research the pros and cons of student loan refinancing before you consider this option, The basic rundown is that you can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will be based on your individual circumstances.
There's also the option of taking out a SoFi loan, if you were looking into taking out a loan soon anyway, might be worth considering.
www.sofi.com/share/2498539?src=copy
https://preview.redd.it/3h22ppgsitb51.jpg?width=760&format=pjpg&auto=webp&s=ced3ed415e3065173854d4f988d34b738e1f6830