01
Sign up free — 30 seconds
Enter your name and email. That's it. Your personal referral link is generated immediately — no advance, no credit check, no bank info required.
Know someone who
could use
a cash advance?
You earn when they do.
Refer anyone to KoinsYa and earn $20 when their advance is paid off. No limits. No advance needed. Open to anyone 18+ in the US.
KoinsYa Holdings Inc. operates a referral program that pays $20 per approved Merchant Cash Advance to anyone who refers a new applicant, regardless of whether the referrer is a gig worker, has an advance, or works on any specific platform. Open to all US residents 18 and older.
Start earning in 30 seconds.
No advance needed. No bank info required. Just your name and email — your personal referral link is ready immediately.
By signing up you agree to KoinsYa's Terms & Privacy Policy.
No credit check. No advance required. Open to anyone 18+ in the US.
How the referral program works
Three steps to start earning.
No advance needed. No platform required. No limits on how much you can earn.
02
Share your link — anywhere
Share your personal referral link on social media, WhatsApp, Facebook groups, email, or anywhere your network is. Every click is tracked to you automatically.
03
Earn $20 — per paid-off advance
When someone applies through your link and their cash advance is paid off, $20 is credited to your account. No limit on how many referrals you make.
See what your referrals are worth.
Move the slider to see your estimated monthly earnings. Every approved advance = $20. No cap, no expiration.
Estimated earnings are based on $20 per approved cash advance. Actual results depend on the number of referrals whose advances are paid off. There is no guarantee of earnings and no minimum referral requirement.
10 referrals
people who apply through your link and get approved
Per referral
$20
Monthly earnings
$200
Annual earnings
$2400
Your earning potential
$200 / mo
Choose the path that fits you.
Whether you want to refer a few friends or build a bigger referral operation, KoinsYa has a path for you.
Referral Program
The simplest way to earn. Share your personal link, earn $20 for every paid-off advance that comes through it. No requirements, no application.
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$20 per paid-off advance Every time someone you referred pays off their advance, you earn $20.
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No limits on referrals Refer as many people as you want. There is no monthly or total cap on earnings.
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No advance needed to participate You do not need a KoinsYa cash advance to join. Open to anyone 18+ in the US.
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Instant personal link Sign up with name and email. Your referral URL is ready in seconds.
Affiliate Program
Designed for creators, community managers, and businesses with an audience of independent workers. Apply to become an authorized KoinsYa affiliate partner.
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Commission per paid-off advance Earn commission for every advance paid off through your affiliate link and shared upon approval.
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Dedicated tracking dashboard Access a partner dashboard with full visibility of clicks, applications, and paid-off advances.
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Official KoinsYa partner materials Access approved creative assets, copy guidelines, and brand material for your campaigns.
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Priority support Dedicated point of contact from the KoinsYa team for onboarding and ongoing support.
Content creators
Share your referral link in your content, bio, or stories. Every approved advance from your audience earns you $20.
Community managers
If you manage groups or communities of independent workers, your referral link can generate consistent earnings with a single post.
Friends and family
Know someone who drives, delivers, or works independently? Share your link. It costs them nothing and earns you $20 if they get approved.
Bloggers and writers
Write about the gig economy, personal finance, or independent work? Add your referral link to your content and earn passively.
Podcasters and newsletter writers
Reach an audience of independent workers? A single mention of your referral link can generate multiple $20 commissions per episode or send.
Anyone with a network
You do not need a large following. If you know people who work independently, you have everything you need to start earning.
Frequently asked questions about the KoinsYa referral program.
Everything you need to know before you start.
The KoinsYa referral program lets anyone earn $20 for each person they refer whose cash advance is paid off. Sign up with your name and email, receive a personal referral link instantly, share it, and earn $20 when someone applies through your link and pays off their advance. The $20 commission is paid when the referred user's advance is fully paid off, not when they apply or when they are approved.
No. You do not need a cash advance to participate in the KoinsYa referral program. Anyone 18 or older based in the US can sign up and start earning regardless of whether they have ever applied for an advance.
There is no limit on the number of referrals you can make or the amount you can earn. Every paid-off advance that comes through your referral link earns you $20, with no monthly or total cap. No earnings cap. No monthly limit. No maximum. Every paid-off referral = $20.
