> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spendghost.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Points & referrals

Earn as you spend, for bringing friends, and on X.

SpendGhost rewards you for using it and for spreading the word.

## Points

You earn **1 point per $1** on **everything you pay for** through the ghost — not just orders:

| You do this | You earn |
| --- | --- |
| Buy a product | 1 pt / $1 all‑in |
| Load a prepaid or gift card | 1 pt / $1 all‑in |
| Do a private swap | 1 pt / $1 moved + fee |
| Pay a service the ghost bought for you | 1 pt / $1 |

You earn on the things that carry a service fee. Moving your own funds around — an ordinary [swap](/wallet/swap) or a [withdrawal to your own address](/wallet/cash-out) — has no SpendGhost fee, so it earns no points.

The ghost tells you what you earned after each one, and you can see your balance any time in your [dashboard](/account/dashboard) or by asking:

> *"how many points do i have?"*

Points follow the money: if an order is cancelled and refunded, the points from it come back off your balance too.

## Referrals

Every account gets a **shareable invite link** (and a referral code). Ask the ghost for yours any time:

> *"give me my invite link"* · *"how do i refer a friend?"*

Send it to a friend and:

- When they tap your link, they land on a quick welcome page and can **text the ghost to claim** — applying your code lands them a **50‑point welcome bonus**, and they can save the ghost to their contacts right there.
- When that friend makes their **first purchase**, **you get 100 points** too.

You can also find your link and code in your [dashboard](/account/dashboard). If someone gives you a code instead of a link, just tell the ghost:

> *"apply referral GHOST‑AB12"*

A code can only be applied once per account, and you can't refer yourself (nice try 👻). Every [gift you send on X](/sharing/send-money) also counts as a referral automatically.

## Earn on X

Link your X (Twitter) account and rack up bonus points — see [Earn on X](/rewards/earn-on-x):

- **+25** for connecting your X account (once, ever)
- **+100** for following [@spendghost](https://x.com/spendghost)
- **+50** for posting about SpendGhost (a few per month)

## What points are for

Points are our way of saying thanks and will unlock perks over time. Keep using the ghost and racking them up.