Crypto Wallet Referral Program: 1% of Friends' QR Payments
Matrimix referral program: 1% of your friends' SBP QR payments, 0.5% and 0.25% from levels 2 and 3, credited in rubles, plus 20% of our swap fee.
Contents
The Matrimix crypto wallet referral program pays you 1% of every SBP QR payment made by people you invite, 0.5% from the people they invite and 0.25% from a third level. Rewards land in rubles on your ruble balance right after each payment. Friends you invite directly also bring you 20% of our fee on their coin swaps. Your friends pay exactly the same price.
Key facts (October 2026)
- Three levels for QR payments: 1% from your invitees, 0.5% from theirs, 0.25% from the third level.
- The percentage is taken from the check amount, without the 3% QR fee.
- Rewards are credited to your ruble balance immediately after a successful payment, and the bot notifies you.
- Coin swaps: 20% of our fee on every completed swap by people you invited directly (one level).
- No minimum payout threshold and no cap on earnings; amounts are counted in kopecks and rounded down.
- Matrimix pays the reward out of its own fee: the invited person pays nothing extra.
- Your own payments do not earn rewards, and you cannot invite yourself.
How the three levels work
| Level | Who it is | Your share |
|---|---|---|
| 1 | Opened Matrimix with your link or entered your code | 1% of each QR payment |
| 2 | Invited by someone on your level 1 | 0.5% |
| 3 | Invited by someone on your level 2 | 0.25% |
A fourth level and beyond do not count. A person becomes your invitee the first time they open Matrimix through your link; the inviter cannot be changed later.
If a friend opened the wallet without your link, they can still join your tree: Profile → Referral programme → Enter a promo code, then your code and Apply. This works once, and only before their first QR payment.
A worked example
Say you are an international student and you share your link in your course chat. Three classmates join and each pays about 25,000 ₽ a month by SBP QR in shops and cafes. They invite five friends between them who pay about 20,000 ₽ a month each, and those friends bring in four more who pay about 15,000 ₽ each.
| Level | People | QR payments a month | Rate | Your reward |
|---|---|---|---|---|
| 1 | 3 | 75,000 ₽ | 1% | 750 ₽ |
| 2 | 5 | 100,000 ₽ | 0.5% | 500 ₽ |
| 3 | 4 | 60,000 ₽ | 0.25% | 150 ₽ |
| Total | 12 | 235,000 ₽ | 1,400 ₽ |
The page /referral has a shorter rule of thumb: a 10,000 ₽ QR payment by your invitee brings you 100 ₽; the same payment one level down brings 50 ₽, and two levels down 25 ₽.
The swap share works separately. If one of your direct invitees swaps coins in the wallet, for example USDT to BTC, you get 20% of the fee we earn on that swap. With an illustrative fee of 2 USDT, your share would be 0.40 USDT. This share is credited in the coin of the swap.
These figures are illustrations, not a forecast. What you receive depends only on how much the people in your tree actually pay.
How to get your link
- Open @MatrimixBot and launch the Mini App.
- Go to Profile → Referral programme. The screen "Invite friends and earn" shows your code.
- Tap Copy to copy your link, or the share button to send it to a Telegram chat. You can also send the command /referral to the bot; it replies with your link and current rates.
- A friend who opens Matrimix through the link becomes your level 1 invitee.
- After each successful QR payment in your tree, a "Referral reward" appears in your ruble history and the bot sends a message.
The same screen shows tiles for the rate "of every QR payment", the share "of friends' swaps", the amount "earned" and the number "invited", plus the list Invited users with levels. Names are masked: you see part of a name or the end of a Matrimix ID.
What you can do with the rewards
Rewards arrive as rubles on your internal ruble balance, so you can use them like any other rubles there:
- Pay SBP QR codes in shops, cafes and taxis with no conversion step. How it works: SBP QR payments in Russia with a USDT balance and /qr-pay.
- Send them to a Russian phone number or card with a payout (6% fee, from 1,500 ₽ over SBP or 3,500 ₽ to a card): /rub-payout.
- Swap them back to USDT or another coin in Swap at the wallet rate, shown before you confirm.
Who it suits
- People who run expat, student or travel chats. A pinned link earns from members' QR payments for as long as they use Matrimix.
- Friends who travel to Russia together. If you set up the wallet first, the others can join through your link.
- Anyone who explains to others how to pay in Russia as a tourist and wants that help to pay for itself.
Rules worth knowing
- Only successful QR payments earn rewards. Failed payments earn nothing.
- Self-invites, invite loops, fake payments and spam are not allowed; rewards for such activity can be blocked under the terms.
- Rates can change. Rewards for payments already made stay yours, and the current rates are always shown in the app and on /referral.
- At the time of writing, buying rubles in the wallet is a conversion and does not count toward the swap share. QR payments are where ruble spending earns.
Describe the product accurately
When you share your link, describe what the wallet actually does: you convert USDT to rubles in a separate step, then pay SBP QR codes in rubles, and the merchant receives rubles. Do not present it as a way for merchants to receive crypto: it is not one. Federal Law 282-FZ, in force since 1 September 2026, forbids accepting digital currency as payment for goods and services in Russia and also forbids spreading information about such use. Plain-language overview: is crypto legal in Russia. This is not legal advice.
Good to know
- Not an income promise. The program shares part of our fee; it is not an investment and has no guaranteed return.
- Same price for everyone. You and your friends pay the same 3% QR fee and the same wallet rate; rewards come from the payments of people you invited. Prices are as of October 2026; see /fees.
- Rubles wait on your balance until you pay QR codes, send a payout or swap them back; the price of each is shown before you confirm.
- Matrimix keeps the rubles for you. No seed phrases, no extra apps: rewards open in Telegram with the rest of your wallet.
- Telegram is largely blocked in Russia, on mobile data and Wi-Fi alike, so friends who travel there should set up and fund the wallet before the trip: does Telegram work in Russia.
- Funding is still in USDT. New users top up with USDT, for example to a USDT TON address, before they can buy rubles.
Sources
- Matrimix referral program terms: /referral
- Federal Law 282-FZ, official text: kremlin.ru
- SBP official site (NSPK): sbp.nspk.ru
- Matrimix fees: /fees
Read also
- How to pay in Russia as a tourist
- USDT to RUB: ways to get rubles
- How to pay someone in Russia
- Telegram crypto wallet
FAQ
Is this cashback on my own payments?
No. Rewards come from the QR payments of people you invited, across three levels, not from your own purchases.
Does my friend pay more because of the referral program?
No. Matrimix pays the reward out of its own fee. The price of a QR payment is the same with or without an inviter.
Where do I find my referral link?
In the Mini App: Profile → Referral programme → Copy. Or send /referral to @MatrimixBot.
Can a friend enter my code after paying?
No. A promo code can be entered once, and only before the friend's first QR payment. After that the inviter cannot be changed.
What can I do with the rubles I earn?
Pay SBP QR codes, send them to a Russian phone number or card with a payout (6%, from 1,500 ₽), or swap them back to USDT in the wallet.
