Updated: August 24, 2026
This program is for inviting colleagues who work at the same company as you. You earn a reward when they get their salary from that shared employer paid into Morse.
Terms and conditions
To earn a reward for inviting colleagues 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 available in Mexico and Colombia. You and the colleague you invite both need to live in one of those countries to qualify, but the company you both work at can be based anywhere.
We may offer paid referrals to different groups of users at different times, such as users who:
work at a particular company
have recently signed up
have had a Morse account for a certain amount of time
live in certain countries
Or a combination of the above.
How it works (if you're inviting others)
Share your invite link with a colleague from your company 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 get their salary from your shared employer paid into their Morse USD Account Details.
We’ll add your reward directly to your Morse Balance. You get one reward, of up to 300 USD, per colleague you invite. The colleague you invite earns a reward as well.
See how much you could earn by inviting your colleagues. You can receive up to five referral rewards in total across all our referral programs. After that, you can still invite people, but you won't receive a reward.
If the colleague you invite doesn’t join Morse, or doesn't get their salary from your shared employer paid into Morse within 30 days of signing up, neither of you will get a reward.
How it works (if you've been invited)
You'll receive an invite link to join Morse from a colleague at your company.
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, get your salary from your employer paid into your Morse USD Account Details in USD.
When you qualify, we add your reward straight to your Morse Balance. You'll receive 25 USD.
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
Received a qualifying salary payment into Morse
We won't share any other information.
Which payments qualify
Only your salary payment, paid by the company you were invited from, counts towards the reward. No other payment qualifies. For example, these don't count:
Payments from your own accounts elsewhere, including crypto exchanges or neobanks
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.