> ## Documentation Index > Fetch the complete documentation index at: https://docs.nuevesolutions.com/llms.txt > Use this file to discover all available pages before exploring further. # Introduction The **Refer a Friend (RAF)** program lets your existing members invite friends and family to join your financial institution — and rewards both of them when the acceptor gets started. Everything is built into the Candescent digital banking experience, so members never leave your app to participate. *** ## How It Works There are two roles in every referral: **Inviter (your existing member)** The inviter gets a unique referral code directly inside their digital banking dashboard. They can share it by email, text, or copy the link — however they prefer. Once shared, they can track how many people they've referred and when their reward is on its way. **Acceptor (the person who joins)** After joining and completing onboarding, the acceptor enters the referral code at login. From there, the app guides them through the steps needed to earn their reward — such as setting up a direct deposit or completing a few debit card purchases. Once the acceptor completes those steps within the required timeframe, both parties are automatically rewarded. No paperwork, no manual review, no waiting on staff. *** ## Campaign Types | Campaign Type | Who It's For | Who Gets Rewarded | | ---------------------- | -------------------------------------------------------- | ----------------------------- | | **Refer a Friend** | Inviter shares their personal code with an acceptor | Both the inviter and acceptor | | **FI Reward Campaign** | Financial institution runs a promotion for new acceptors | Acceptor only | *** ## Eligibility Requirements Before rewards are paid out, the acceptor needs to meet a set of qualifying conditions. These are fully configurable per financial institution — each one can be turned on or off as needed. Common eligibility requirements include: * **Qualifying account** — The acceptor must open the right type of account (e.g., checking, not an HSA) * **Direct deposit** — One or more direct deposits totaling a minimum amount within a set number of days * **Debit card usage** — A minimum number of debit card purchases within the eligibility window * **Account standing** — The account must remain in good standing (no negative balance) * **Unique identity check** — The inviter and acceptor cannot be the same person * **Eligibility window** — All requirements must be met within a configured number of days after the referral code is submitted *** ## Member Experience Overview Refer a Friend member experience overview — inviter shares code, acceptor submits code, both track progress and receive rewards inside digital banking. *** ## What's Included * [Architecture](/guides/products/refer-a-friend/candescent/architecture) — How the referral program is structured and how data flows between members, the app, and rewards * [Partner Integration Specification](/guides/products/refer-a-friend/candescent/partner-integration-spec) — What the integration requires and how it fits into the Candescent ecosystem