Updated: August 26, 2026
Terms and conditions (if you're inviting people)
To earn a reward for inviting people to Morse, you need to be a user with access to paid referrals. To check if you're eligible, tap 'Invite' on the home page of your app. This program is currently available in Bolivia, Colombia, the Dominican Republic, Ecuador, Guatemala, Mexico, Paraguay, and Peru.
We may offer paid referrals to different groups of users at different times, such as users who:
have recently signed up
have had a Morse account for a certain amount of time
live in certain countries
have done certain types of transactions recently
Or a combination of the above.
How it works
Share your invite link with someone who hasn't used Morse before.
They open the link, enter their phone number, and complete sign up to Morse (using the same phone number) within 14 days of entering their number.
To qualify, within 30 days of signing up they need to do at least one of these: spend at least 100 USD with their Morse Card, or receive at least 250 USD in qualifying deposits* to your USD Account Details — such as salary or payments from clients or platforms. The 250 USD can add up across more than one deposit — it doesn't need to arrive in a single payment.
We’ll add your reward directly to your Morse Wallet! You get one reward, up to potentially 200 USD per person you invite, whether they complete one action or both. The person you invite earns their own reward too.
See how much you could earn. You can receive up to ten referral rewards total across our previous referral program and this program. After that, you can still invite people, but you won't receive a reward.
If the person you invite doesn’t join Morse or doesn't complete the qualifying action within 30 days of signing up, neither of you will get a reward.
Terms and conditions (if you've been invited)
This program is currently available in Bolivia, Colombia, the Dominican Republic, Ecuador, Guatemala, Mexico, Paraguay, and Peru.
How it works
You'll receive an invite link to join Morse.
Accept the referral by entering your mobile phone number.
Download the app and sign up for Morse, using the same phone number.
Within 30 days of signing up, do at least one of these: spend at least 100 USD with your Morse Card, or receive at least 250 USD in qualifying deposits to your USD Account Details — such as salary or payments from clients or platforms. The 250 USD can add up across more than one deposit — it doesn't need to arrive in a single payment.
When you qualify, we add your reward straight your Morse Balance! You'll receive 5 USD for qualifying Morse Card spending, 10 USD for receiving a qualifying USD deposit, or 15 USD if you do both.
We'll share some information about your progress with the person who invited you. This could include that you've:
Accepted their referral by entering your mobile number
Started the signup process
Completed the signup process
Completed a qualifying card payment or USD deposit
We won't share any other information.
* Payments that don't qualify
Payments from your own accounts elsewhere, including crypto exchanges
Transfers between Morse accounts
Payments from a business you own, control or direct, either on your own or with others
Refunds, reimbursements, rebates, chargebacks, or payments later reversed, returned, or disputed
Loan, insurance, tax, or investment payouts
Referral rewards are for introducing Morse to people who'll use it. Morse reserves the right to cancel rewards, withhold pending rewards, and remove your access to paid referrals if we suspect fraud, abuse, or other activity that violates these terms or our policies. This includes, but is not limited to, distributing your link in bulk, posting it on sites set up to earn rewards or trade referral codes, controlling the accounts you invite, or coordinating with others to claim rewards for accounts that won't be used. Morse also reserves the right to suspend or end this promotion at any time, without notice.